<SEC-DOCUMENT>0001133228-21-003637.txt : 20210625
<SEC-HEADER>0001133228-21-003637.hdr.sgml : 20210625
<ACCEPTANCE-DATETIME>20210625161011
ACCESSION NUMBER:		0001133228-21-003637
CONFORMED SUBMISSION TYPE:	N-2
PUBLIC DOCUMENT COUNT:		53
FILED AS OF DATE:		20210625
DATE AS OF CHANGE:		20210625

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			JOHN HANCOCK FINANCIAL OPPORTUNITIES FUND
		CENTRAL INDEX KEY:			0000925683
		IRS NUMBER:				043241844
		STATE OF INCORPORATION:			MA

	FILING VALUES:
		FORM TYPE:		N-2
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-08568
		FILM NUMBER:		211047778

	BUSINESS ADDRESS:	
		STREET 1:		C/O JOHN HANCOCK INVESTMENT MANAGEMENT
		STREET 2:		200 BERKELEY STREET
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02116
		BUSINESS PHONE:		617-663-3000

	MAIL ADDRESS:	
		STREET 1:		C/O JOHN HANCOCK INVESTMENT MANAGEMENT
		STREET 2:		200 BERKELEY STREET
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02116

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	JOHN HANCOCK BANK & THRIFT OPPORTUNITY FUND
		DATE OF NAME CHANGE:	20110214

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	HANCOCK JOHN BANK & THRIFT OPPORTUNITY FUND
		DATE OF NAME CHANGE:	19940728

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	HANCOCK JOHN REGIONAL BANK & THRIFT FUND
		DATE OF NAME CHANGE:	19940620

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			JOHN HANCOCK FINANCIAL OPPORTUNITIES FUND
		CENTRAL INDEX KEY:			0000925683
		IRS NUMBER:				043241844
		STATE OF INCORPORATION:			MA

	FILING VALUES:
		FORM TYPE:		N-2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-257411
		FILM NUMBER:		211047777

	BUSINESS ADDRESS:	
		STREET 1:		C/O JOHN HANCOCK INVESTMENT MANAGEMENT
		STREET 2:		200 BERKELEY STREET
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02116
		BUSINESS PHONE:		617-663-3000

	MAIL ADDRESS:	
		STREET 1:		C/O JOHN HANCOCK INVESTMENT MANAGEMENT
		STREET 2:		200 BERKELEY STREET
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02116

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	JOHN HANCOCK BANK & THRIFT OPPORTUNITY FUND
		DATE OF NAME CHANGE:	20110214

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	HANCOCK JOHN BANK & THRIFT OPPORTUNITY FUND
		DATE OF NAME CHANGE:	19940728

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	HANCOCK JOHN REGIONAL BANK & THRIFT FUND
		DATE OF NAME CHANGE:	19940620
<IS-FILER-A-NEW-REGISTRANT>N
<IS-FILER-A-WELL-KNOWN-SEASONED-ISSUER>Y
<FILED-PURSUANT-TO-GENERAL-INSTRUCTION-A2>Y
</SEC-HEADER>
<DOCUMENT>
<TYPE>N-2
<SEQUENCE>1
<FILENAME>jhfof-html3755_n2.htm
<DESCRIPTION>JH FINANCIAL OPPORTUNITIES FUND_N-2
<TEXT>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; text-align: center">As filed with the Securities and Exchange Commission
on June 25, 2021</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">1933 Act File No. 333-_____</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">1940 Act File No. 811-08568</P>

<P STYLE="font: 3pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B></B></P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 3pt; margin-bottom: 3pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 2pt solid; border-bottom: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>U.S. SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Washington, D.C. 20549</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>FORM N-2</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 10%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9745;</FONT></TD>
    <TD STYLE="width: 80%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933</B></FONT></TD>
    <TD STYLE="width: 10%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9744;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 18pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Pre-Effective Amendment No.</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 18pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9744;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 18pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Post-Effective Amendment No.</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 18pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">and/or</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 10%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9745;</FONT></TD>
    <TD STYLE="width: 80%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940</B></FONT></TD>
    <TD STYLE="width: 10%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9745;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 18pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Amendment No. 3</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 18pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>JOHN HANCOCK FINANCIAL OPPORTUNITIES FUND</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">(Exact Name of Registrant as Specified in Charter)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>200 Berkeley Street, Boston, Massachusetts 02116-2805</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">(Address of Principal Executive Offices) (Zip Code)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Registrant&#8217;s Telephone Number, including Area
Code: 1-800-225-6020</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Christopher Sechler, Esq.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>200 Berkeley Street, Boston, Massachusetts 02116-2805</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Name and Address (of Agent for Service)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Copies of Communications to:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Mark P. Goshko, Esq.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>K&amp;L Gates LLP</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>One Lincoln Street</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Boston, Massachusetts 02111-2950</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Approximate Date of Proposed Public Offering: </B>From time to time after
the effective date of this Registration Statement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">If any of the securities being registered on this form are to be offered
on a delayed or continuous basis in reliance on Rule 415 under the Securities Act of 1933, other than securities offered in connection
with a dividend reinvestment plan, check the following box. &#9745;<BR>
<BR>
If this Form is a registration statement pursuant to General Instruction A.2 or a post-effective amendment thereto, check the following
box &#9745;.<BR>
<BR>
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">If this Form is a registration statement pursuant to General Instruction
B or a post-effective amendment thereto that will become effective upon filing with the Commission pursuant to Rule 462(e) under the Securities
Act, check the following box &#9745;.<BR>
<BR>
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">If this Form is a post-effective amendment to a registration statement filed
pursuant to General Instruction B to register additional securities or additional classes of securities pursuant to Rule 413(b) under
the Securities Act, check the following box &#9744;.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">It is proposed that this filing will become effective (check appropriate
box):</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; width: 3%; padding-right: 0pt; padding-left: 0pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9744;</FONT></TD>
    <TD STYLE="width: 97%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">when declared effective pursuant to section 8(c)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; background-color: white">If appropriate, check the following box:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 15pt; text-align: left"><FONT STYLE="font-family: Segoe UI Symbol,sans-serif">&#9744;</FONT></TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">This post-effective amendment designates
a new effective date for a previously filed registration statement.</FONT></TD>
</TR><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left"><FONT STYLE="font-family: Segoe UI Symbol,sans-serif">&#9744;</FONT></TD><TD>&nbsp;</TD><TD STYLE="text-align: justify"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">This
form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act and the Securities Act
registration statement number of the earlier effective registration statement for the same offering is&nbsp;________.</FONT></P>
</TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left"><FONT STYLE="font-family: Segoe UI Symbol,sans-serif">&#9744;</FONT></TD><TD>&nbsp;</TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">This
                                            Form is a post-effective amendment filed pursuant to Rule 462(c) under the Securities Act,
                                            and the Securities Act registration statement number of the earlier effective registration
                                            statement for the same offering is&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>.</FONT></TD></TR>
     <TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left"><FONT STYLE="font-family: Segoe UI Symbol,sans-serif">&#9744;</FONT></TD><TD>&nbsp;</TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">This
                                            Form is a post-effective amendment filed pursuant to Rule 462(d) under the Securities Act,
                                            and the Securities Act registration statement number of the earlier effective registration
                                            statement for the same offering is&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>.</FONT></TD></TR>
     </TABLE>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; background-color: white">Check each box that appropriately characterizes
the Registrant:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; background-color: white"><FONT STYLE="font-family: Segoe UI Symbol,sans-serif">&#9746;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;Registered&nbsp;closed-end&nbsp;fund.<BR>
</FONT><FONT STYLE="font-family: Segoe UI Symbol,sans-serif">&#9744;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;Business
development company.<BR>
</FONT><FONT STYLE="font-family: Segoe UI Symbol,sans-serif">&#9744;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;Interval
fund.<BR>
</FONT><FONT STYLE="font-family: Segoe UI Symbol,sans-serif">&#9746;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;A.2
Qualified.
</FONT></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0; background-color: white"><FONT STYLE="font-family: Segoe UI Symbol,sans-serif; font-size: 10pt">&#9746;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;Well-Known
Seasoned Issuer (as defined by Rule 405 under the Securities Act).<BR>
</FONT><FONT STYLE="font-family: Segoe UI Symbol,sans-serif; font-size: 10pt">&#9744;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;Emerging
Growth Company (as defined by Rule&nbsp;12b-2&nbsp;under the Securities Exchange Act of 1934 (&#8220;Exchange Act&#8221;).<BR>
</FONT><FONT STYLE="font-family: Segoe UI Symbol,sans-serif; font-size: 10pt">&#9744;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;New
Registrant.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>CALCULATION OF REGISTRATION FEE UNDER THE SECURITIES ACT OF 1933 </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 35%; border-top: Black 1.5pt double; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><BR>
<BR>
Title of Securities Being Registered</B></FONT></TD>
    <TD STYLE="width: 15%; border-top: Black 1.5pt double; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><BR>
Amount Being Registered (1)</B></P></TD>
    <TD STYLE="width: 18%; border-top: Black 1.5pt double; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Proposed<BR>
Maximum<BR>
Offering<BR>
Price&nbsp;Per&nbsp;Unit&nbsp;(1)</B></P></TD>
    <TD STYLE="width: 16%; border-top: Black 1.5pt double; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Proposed<BR>
Maximum <BR>
Aggregate<BR>
Offering&nbsp;Price&nbsp;(1)</B></FONT></TD>
    <TD STYLE="width: 16%; border-top: Black 1.5pt double; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><BR>
Amount of<BR>
Registration Fees (1)(2)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1.5pt double; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Common Shares, no par value</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1.5pt double; vertical-align: middle; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">
1,500,000&nbsp;Shares</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; vertical-align: middle; border-bottom: Black 1.5pt double; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">
$37.80</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; vertical-align: middle; border-bottom: Black 1.5pt double; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">
$56,700,000.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: center; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: middle">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">
    $6,185.97</P>
</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">(1)</TD><TD>Securities are being registered on an automatic shelf registration
statement and fees have been calculated in accordance with Rule 457(r) of the Securities Act of 1933, as amended, based on the payment
rate in effect on the date of payment. The proposed maximum offering price per unit has been estimated solely for the purpose of calculating the registration fee in accordance with Rule 457(c) under the Securities Act of 1933,
as amended, based on the average of the high and low sales prices of the Common Shares of beneficial interest on June 21, 2021 as reported
on the New York Stock Exchange.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-indent: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 3pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">(2)</TD><TD>Transmitted prior to filing.</TD></TR></TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-indent: 0pt">&nbsp;</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I><IMG SRC="image_001.jpg" ALT="John_Hancock_Investment_Management_stacked_black" STYLE="height: 64px; width: 173px"></I></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-variant: small-caps"><B>Base Prospectus dated june 25,
2021</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B> 1,500,000 Shares</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>John Hancock Financial Opportunities Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Common Shares</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">John Hancock Financial Opportunities Fund (the &#8220;Fund&#8221;
or &#8220;fund&#8221;) is a diversified, closed-end management investment company. The Fund commenced operations in August 1994 following
an initial public offering.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Investment Objective. </B>The Fund&#8217;s primary
investment objective is to provide a high level of total return consisting of long-term capital appreciation and current income. There
can be no assurance that the Fund will achieve its investment objective.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>The Offering. </B>The Fund may offer, from time
to time, in one or more offerings, the Fund&#8217;s common shares of beneficial interest, no par value (&#8220;Common Shares&#8221;).
Common Shares may be offered at prices and on terms to be set forth in one or more supplements to this Prospectus (each, a &#8220;Prospectus
Supplement&#8221;). You should read this Prospectus and the applicable Prospectus Supplement carefully before you invest in Common Shares.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Common Shares may be offered directly to one or more
purchasers, through agents designated from time to time by the Fund, or to or through underwriters or dealers. The Prospectus Supplement
relating to the offering will identify any agents, underwriters or dealers involved in the offer or sale of Common Shares, and will set
forth any applicable offering price, sales, load, fee, commission or discount arrangement between the Fund and its agents or underwriters,
or among its underwriters, or the basis upon which such amount may be calculated, net proceeds and use of proceeds, and the terms of any
sale. The Fund may not sell any Common Shares through agents, underwriters or dealers without delivery of a Prospectus Supplement describing
the method and terms of the particular offering of the Common Shares.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Investment Strategy. </B>Under normal circumstances,
the Fund will invest at least 80% (plus any borrowings for investment purposes) of its net assets in equity securities of U.S. and foreign
financial services companies of any size. These companies may include, but are not limited to, banks, thrifts, finance and financial technology companies, brokerage
and advisory firms, real estate-related firms, insurance companies and financial holding companies. The Fund may invest up to 20% of its
total assets in common and preferred equity securities and other preferred securities of foreign banking, lending and financial services
companies, including securities quoted in foreign currencies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Investment Advisor and Subadvisor. </B>The Fund&#8217;s
investment advisor is John Hancock Investment Management LLC (the &#8220;Advisor&#8221; or &#8220;JHIM&#8221;) and its subadvisor is Manulife
Investment Management (US) LLC (the &#8220;Subadvisor&#8221;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Exchange listing. </B>The Fund&#8217;s
currently outstanding Common Shares are listed on the New York Stock Exchange (&#8220;NYSE&#8221;) under the symbol
&#8220;BTO.&#8221; Any new Common Shares offered and sold hereby are expected to be listed on the NYSE and trade under this symbol.
As of June 21, 2021, the last reported sale price for the Common Shares was $37.80.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Leverage. </B>The Fund may use leverage to the extent
permitted by the Investment Company Act of 1940 (the &#8220;1940 Act&#8221;), this Prospectus, and a liquidity agreement dated June 16, 2015 (the &#8220;LA&#8221;). See &#8220;&#8212;Other Investment Policies&#8212;Borrowing.&#8221; The LA includes a line of credit and
may utilize securities lending and reverse repurchase agreements. The Fund&#8217;s leverage strategy may not be successful. In addition,
new Rule 18f-4 may impact how the Fund uses leverage and certain borrowings and other investments, but the Fund is not required to comply
with those requirements until August 19, 2022. See &#8220;Hedging, Derivative and Other Strategic Transactions Risk&#8221; for additional
information.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>The Common Shares have traded both at a premium
and a discount to net asset value (&#8220;NAV&#8221;). The Fund cannot predict whether Common Shares will trade in the future at a premium
or discount to NAV. The provisions of the 1940 Act generally require that the public offering price of common shares (less any</B></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>underwriting
commissions and discounts) must equal or exceed the NAV per share of a company&#8217;s common stock (calculated within 48 hours of pricing).
The Fund&#8217;s issuance of Common Shares may have an adverse effect on prices in the secondary market for the Fund&#8217;s Common Shares
by increasing the number of Common Shares available, which may put downward pressure on the market price for the Fund&#8217;s Common Shares.
Shares of common stock of closed-end investment companies frequently trade at a discount from NAV, which may increase investors&#8217;
risk of loss.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Investing in the Fund&#8217;s Common Shares involves
certain risks. See &#8220;Risk Factors&#8221; beginning on page 26.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Neither the Securities and Exchange Commission (the
&#8220;SEC&#8221;) nor any state securities commission has approved or disapproved of these securities or determined whether this Prospectus
is truthful or complete. Any representation to the contrary is a criminal offense.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">This Prospectus, together with any applicable
Prospectus Supplement, sets forth concisely the information about the Fund that a prospective investor should know before investing.
You should read this Prospectus and the applicable Prospectus Supplement, which contain important information, before deciding
whether to invest in the Common Shares. You should retain the Prospectus and Prospectus Supplement for future reference. A Statement
of Additional Information (&#8220;SAI&#8221;), dated June 25, 2021, containing additional information about the Fund, has been filed
with the SEC and is incorporated by reference in its entirety into this Prospectus. The Table of Contents for the SAI is on page
59 of the Prospectus. A copy of the SAI may be obtained without charge by calling 800-225-6020 (toll-free) or from the SEC&#8217;s
website at sec.gov. Copies of the Fund&#8217;s annual report and semi-annual report and other information about the Fund may be
obtained upon request by writing to the Fund, by calling 800-225-6020, or by visiting the Fund&#8217;s website at
https://www.jhinvestments.com/resources/all-resources/other/john-hancock-financial-opportunities-fund-annual-report. You also may
obtain a copy of any information regarding the Fund filed with the SEC from the SEC&#8217;s website (sec.gov).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">As of January 1, 2021, paper copies of the Fund's shareholder reports will no longer be sent by mail. Instead, the reports will be made available on a website, and you will be notified and provided with a link each time a report is posted to the website. You may request to receive paper reports from the Fund or from your financial intermediary, free of charge, at any time. You may also request to receive documents through e-delivery.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund&#8217;s Common Shares do not represent a deposit
or obligation of, and are not guaranteed or endorsed by, any bank or other insured depository institution, and are not federally insured
by the Federal Deposit Insurance Corporation, the Federal Reserve Board or any other government agency.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Prospectus dated June 25, 2021</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>You should rely only on the information contained
in, or incorporated by reference into, this Prospectus and any related Prospectus Supplement in making your investment decisions. The
Fund has not authorized any person to provide you with different information. If anyone provides you with different or inconsistent information,
you should not rely on it. The Fund is not making an offer to sell the Common Shares in any jurisdiction where the offer or sale is not
permitted. You should assume that the information in this Prospectus and any Prospectus Supplement is accurate only as of the dates on
their covers. The Fund&#8217;s business, financial condition and prospects may have changed since the date of its description in this
Prospectus or the date of its description in any Prospectus Supplement.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><A NAME="toc"></A>TABLE OF CONTENTS </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; width: 90%; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_001">Prospectus Summary</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; width: 10%; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_002">Summary of Fund Expenses</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">13</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_003">Financial Highlights</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_004">Market and Net Asset Value Information</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_005">The Fund</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_006">Use of Proceeds</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_007">Investment Objective</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_008">Investment Strategies</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_009">Risk Factors</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_010">Management of the Fund</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_011">Determination of Net Asset Value</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">44</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_012">Distribution Policy</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">45</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_013">Dividend Reinvestment Plan</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">47</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_014">Closed-End Fund Structure</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">48</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_015">U.S. Federal Income Tax Matters</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">48</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_016">Plan of Distribution</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">51</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_017">Description of Capital Structure</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">53</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_018">Certain Provisions in the Declaration of Trust and By-Laws</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">55</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_019">Reports to Shareholders</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">57</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_020">Independent Registered Public Accounting Firm</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">57</FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt"><A HREF="#tocpro_024">Incorporation by Reference</A></TD>
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; text-align: center; padding-top: 3pt; padding-bottom: 3pt">57</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_021">Additional Information</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">58</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_022">Table of Contents of the Statement of Additional Information</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">59</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="#tocpro_023">The Fund&#8217;s Privacy Policy</A></FONT></TD>
    <TD STYLE="text-align: center; padding-top: 3pt; font-style: italic; padding-bottom: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">60</FONT></TD></TR>
  </TABLE>

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<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt; text-align: center"><A NAME="tocpro_001"></A>Prospectus Summary</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><I>This is only a summary. You should review the more
detailed information elsewhere in this prospectus (&#8220;Prospectus&#8221;), in any related supplement to this Prospectus (each, a &#8220;Prospectus
Supplement&#8221;), and in the Statement of Additional Information (the &#8220;SAI&#8221;) prior to making an investment in the Fund.
See &#8220;Risk Factors.&#8221;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 30%; padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>The Fund </B></FONT></TD>
    <TD STYLE="width: 70%; padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Financial Opportunities Fund (the &#8220;Fund&#8221;) is a diversified, closed-end management investment company. The Fund commenced operations in August 1994 following an initial public offering.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Investment Objective </B></FONT></TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The Fund&#8217;s primary investment objective is to provide a high level of total return consisting of long-term capital appreciation and current income. There can be no assurance that the Fund will achieve its investment objective. The Fund&#8217;s investment objective is not fundamental and may be changed without shareholder approval. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>The Offering </B></FONT></TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The
    Fund may offer, from time to time, in one or more offerings, up to 1,500,000 of the Fund&#8217;s common shares of beneficial
    interest, no par value (&#8220;Common Shares&#8221;), on terms to be determined at the time of the offering. The Common Shares may
    be offered at prices and on terms to be set forth in one or more Prospectus Supplements. You should read this Prospectus and the
    applicable Prospectus Supplement carefully before you invest in Common Shares. Common Shares may be offered directly to one or more
    purchasers, through agents designated from time to time by the Fund, or to or through underwriters or dealers. The Prospectus
    Supplement relating to the offering will identify any agents, underwriters or dealers involved in the offer or sale of Common
    Shares, and will set forth any applicable offering price, sales load, fee, commission or discount arrangement between the Fund and
    its agents or underwriters, or among its underwriters, or the basis upon which such amount may be calculated, net proceeds and use
    of proceeds, and the terms of any sale. See &#8220;Plan of Distribution.&#8221; The Fund may not sell any Common Shares through
    agents, underwriters or dealers without delivery of a Prospectus Supplement describing the method and terms of the particular
    offering of Common Shares. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Listing and Symbol </B></FONT></TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The
    Fund&#8217;s currently outstanding Common Shares are listed on the New York Stock Exchange (&#8220;NYSE&#8221;) under the symbol
    &#8220;BTO.&#8221; Any new Common Shares offered and sold hereby will be listed on the NYSE and trade under this symbol. As of June
    21, 2021, the last reported sale price for the Common Shares was $37.80. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Investment Strategy </B></FONT></TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Under normal circumstances, the Fund will invest at
    least 80% of its net assets in equity securities of U.S. and foreign financial services companies of any size. These companies may include,
    but are not limited to, banks, thrifts, finance and financial technology companies, brokerage and advisory firms, real estate-related
    firms, insurance companies and financial holding companies. The equity securities in which the Fund may invest are common stocks, preferred
    stocks, warrants, stock purchase rights, securities convertible into other equity securities. &#8220;Net assets&#8221; is defined as net
    assets plus any borrowings for investment purposes. The Fund will notify shareholders at least 60 days prior to any change in this 80%
    policy.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may invest up to 20% of its total assets in
    common and preferred equity securities and other preferred securities of foreign banking, lending and financial services companies, including
    securities quoted in foreign currencies.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Under normal market conditions, the Fund may
    invest up to 20% of its net assets in the common and preferred equity securities and other preferred securities of non-financial
    services companies. The Fund may also invest in debt securities, and will invest in debt securities that are rated, at the time of
    purchase, BB or</P></TD></TR>
  </TABLE>



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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 30%; padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="width: 70%; padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"> below by Standard &amp; Poor's Ratings Group (&quot;Standard &amp; Poor's&quot;) or Ba or below by Moody's Investors Service, Inc. (&quot;Moody's&quot;), or if unrated by such rating organizations, determined by the Adviser (as defined below) to be of comparable quality. The Fund will not purchase debt securities rated below C or which are in default at the time of purchase. Debt securities rated BB or Ba or below (or comparable unrated securities) are commonly referred to as &quot;junk bonds&quot; and are considered by Moody's and Standard &amp; Poor&#8217;s to be predominantly speculative with respect to the issuer's capacity to pay interest and repay principal in accordance with the terms of the obligations and involve major risk exposure to adverse business financial or economic conditions. In some cases, such obligations may be highly speculative and have extremely poor prospects for reaching investment grade standing and may be in default. As a result, investment in such obligations will entail greater speculative risks than those associated with investment in investment grade obligations (i.e., obligations rated AAA, AA, A or BBB by Standard &amp; Poor's or Aaa, Aa, A or Baa by Moody's). The descriptions of the investment grade rating categories by Moody&#8217;s and S&amp;P, including a description of their speculative characteristics, are set forth in the SAI. With respect to the Fund&#8217;s investments in fixed-income or debt securities, the Fund may invest in higher quality instruments for temporary or defensive purposes.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Investment Advisor and Subadvisor </B></FONT></TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The Fund&#8217;s investment advisor is John Hancock Investment Management LLC (the &#8220;Advisor&#8221; or &#8220;JHIM&#8221;) and its subadvisor is Manulife Investment Management (US) LLC (the &#8220;Subadvisor&#8221;). </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JHIM,
    the Fund&#8217;s investment advisor, is an indirect principally owned subsidiary of Manulife Financial Corporation. The Advisor is
    responsible for overseeing the management of the Fund, including its day-to-day business operations and monitoring the Subadvisor.
    As of March 31, 2021, the Advisor had total assets under management of approximately $171.9 billion. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The Subadvisor handles the fund&#8217;s portfolio management activity, subject to oversight by the Advisor. The Subadvisor, organized in 1968, is a wholly owned subsidiary of John Hancock Life Insurance Company (U.S.A.) (a subsidiary of Manulife Financial, a publicly held, Canadian-based company). As of March 31, 2021, the Subadvisor had total assets under management of approximately $217.5 billion.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">See &#8220;Management of the Fund&#8212;The Advisor&#8221; and &#8220;&#8212;The Subadvisor.&#8221; </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Distributions </B></FONT></TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The Fund makes regular quarterly distributions to holders of Common Shares (the &#8220;Common Shareholders&#8221;) sourced from the Fund&#8217;s cash available for distribution. &#8220;Cash available for distribution&#8221; consists of the Fund&#8217;s (i) investment company taxable income, which includes among other things, dividend and ordinary income after payment of Fund expenses, the excess of net short-term capital gain over net long-term capital loss, and income from certain hedging and interest rate transactions, and (ii) net long-term capital gain (gain from the sale of capital assets held longer than one year). The Board of Trustees of the Fund (the &#8220;Board&#8221;) may modify this distribution policy at any time without obtaining the approval of Common Shareholders.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Pursuant to the requirements of the 1940 Act, in the event the Fund makes distributions from sources other than income, a notice will accompany each quarterly distribution with respect to the estimated sources of the distribution made. Such notices will describe the portion, if any, of the quarterly dividend which, in the Fund&#8217;s good faith judgment, constitutes long-term capital gain, short-term capital gain, net investment income or a return of capital. The actual character of such dividend distributions for U.S. federal income tax purposes, however, will only be determined finally by the Fund at the close of its fiscal</FONT></TD></TR>
  </TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 30%; padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD>
    <TD STYLE="width: 70%; padding-right: 4.5pt; padding-left: 4.5pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">year, based on the Fund&#8217;s full year performance and its actual net investment company taxable income and net capital gain for the year, which may result in a recharacterization of amounts distributed during such fiscal year from the characterization in the quarterly estimates.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">If, for any calendar year, as discussed above, the total distributions made exceed the Fund&#8217;s net investment taxable income and net capital gain, the excess generally will be treated as a return of capital to each Common Shareholder (up to the amount of the Common Shareholder&#8217;s basis in his or her Common Shares) and thereafter as gain from the sale of Common Shares. The amount treated as a return of capital reduces the Common Shareholder&#8217;s adjusted basis in his or her Common Shares, thereby increasing his or her potential gain or reducing his or her potential loss on the subsequent sale of his or her Common Shares. Distributions in any year may include a substantial return of capital component. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Distribution rates are based on projected quarterly cash available for distribution, which may result in fluctuations in quarterly rates. As a result, the distributions paid by the Fund for any particular quarter may be more or less than the amount of cash available for distribution from that quarterly period. In certain circumstances, the Fund may be required to sell a portion of its investment portfolio to fund distributions. Distributions will reduce the Common Shares&#8217; net asset value (&#8220;NAV&#8221;).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The Fund has adopted a managed distribution plan (Plan). Under the Plan, the Fund makes quarterly distributions of an amount equal to $0.5500 per share, which will be paid quarterly until further notice. The Fund may make additional distributions: (i) for purposes of not incurring federal income tax at the Fund level of investment company taxable income and net capital gain, if any, not included in such regular distributions; and (ii) for purposes of not incurring federal excise tax on ordinary income and capital gain net income, if any, not included in such regular distributions. The Plan provides that the Board of Trustees of the Fund may amend the terms of the Plan or terminate the Plan at any time without prior notice to the Fund&#8217;s shareholders. The Plan is subject to periodic review by the fund&#8217;s Board of Trustees. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Dividend Reinvestment Plan </B></FONT></TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The Fund has established an automatic dividend reinvestment plan (the &#8220;Plan&#8221;). Under the Plan, distributions of dividends and capital gain are automatically reinvested in Common Shares of the Fund by Computershare Trust Company, N.A. Every shareholder holding at least one full share of the Fund will be automatically enrolled in the Plan. Shareholders who do not participate in the Plan will receive all distributions in cash. Common Shareholders who intend to hold their Common Shares through a broker or nominee should contact such broker or nominee regarding the Plan. See &#8220;Dividend Reinvestment Plan.&#8221; </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Closed-End Fund Structure </B></FONT></TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Closed-end funds differ from open-end management investment companies (which generally are referred to as &#8220;mutual funds&#8221;) in that closed-end funds generally list their shares for trading on a securities exchange and do not redeem their shares at the option of the shareholder. Mutual funds do not trade on securities exchanges and issue securities redeemable at the option of the shareholder. The continuous outflows of assets in a mutual fund can make it difficult to manage the fund&#8217;s investments. Closed-end funds generally are able to stay more fully invested in securities that are consistent with their investment objectives and also have greater flexibility to make certain types of investments and to use certain investment strategies, such as financial leverage and investments in illiquid securities. The Fund&#8217;s Common Shares are designed primarily for long-term investors; you should not purchase Common Shares if you intend to sell them shortly after purchase. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Common shares of closed-end funds frequently trade at prices lower than their NAV. Since inception, the market price of the Common Shares has fluctuated and at times has traded below the Fund&#8217;s NAV and at times has traded above the Fund&#8217;s NAV. The Fund cannot predict whether in the future the Common</FONT></TD></TR>
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    <TD STYLE="width: 30%; padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD>
    <TD STYLE="width: 70%; padding-right: 4.5pt; padding-left: 4.5pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Shares will trade at, above or below NAV. In addition to NAV, the market price of the Fund&#8217;s Common Shares may be affected by such factors as the Fund&#8217;s dividend stability, dividend levels, which are in turn affected by expenses, and market supply and demand. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">In recognition of the possibility that the Common Shares may trade at a discount from their NAV, and that any such discount may not be in the best interest of Common Shareholders, the Board, in consultation with the Advisor, from time to time may review possible actions to reduce any such discount. There can be no assurance that the Board will decide to undertake any of these actions or that, if undertaken, such actions would result in the Common Shares trading at a price equal to or close to NAV per Common Share. In the event that the Fund conducts an offering of new Common Shares and such offering constitutes a &#8220;distribution&#8221; under Regulation M, the Fund and certain of its affiliates may be subject to an applicable restricted period that could limit the timing of any repurchases by the Fund. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Summary of Risks </B></FONT></TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The Fund&#8217;s principal risk factors are listed below by general risks and strategy risks. The Fund&#8217;s main risks are listed below in alphabetical order, not in order of importance. Before investing, be sure to read the additional descriptions of these risks beginning on page 26 of this Prospectus. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><I>&#9;General Risks</I></B></FONT></TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Anti-takeover Provisions.</I></B> The Fund&#8217;s
    Declaration of Trust includes provisions that could limit the ability of other persons or entities to acquire control of the Fund or to
    change the composition of its Board. These provisions may deprive shareholders of opportunities to sell their Common Shares at a premium
    over the then current market price of the Common Shares. See &#8220;Certain Provisions in the Declaration of Trust and By-Laws&#8212;Anti-takeover
    provisions.&#8221;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Changes in U.S. Law.</I></B> Changes in the state
    and U.S. federal laws applicable to the Fund, including changes to state and U.S. federal tax laws, or applicable to the Advisor, the
    Subadvisor and other securities or instruments in which the Fund may invest, may negatively affect the Fund&#8217;s returns to Common
    Shareholders. The Fund may need to modify its investment strategy in the future in order to satisfy new regulatory requirements or to
    compete in a changed business environment.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Cybersecurity and Operational Risk.</I></B> Cybersecurity
    breaches may allow an unauthorized party to gain access to fund assets, customer data, or proprietary information, or cause the Fund or
    its service providers to suffer data corruption or lose operational functionality. Similar incidents affecting issuers of the Fund&#8217;s
    securities may negatively impact performance. Operational risk may arise from human error, error by third parties, communication errors,
    or technology failures, among other causes.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Defensive Positions Risk.</I></B> During periods
    of adverse market or economic conditions, the Fund may temporarily invest all or a substantial portion of its total assets in short-term
    money market instruments, securities with remaining maturities of less than one year, cash or cash equivalents. The Fund will not be pursuing
    its investment objective in these circumstances and could miss favorable market developments.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><I>Distribution Risk.</I></B> There can be no assurance that quarterly
    distributions paid by the Fund to shareholders will be maintained at current levels or increase over time. The quarterly distributions
    shareholders receive from the Fund are derived from the Fund&#8217;s dividends and interest income after payment of Fund expenses. The
    Fund&#8217;s cash available for distribution may vary widely over the short- and long-term. If, for any calendar year, the total distributions
    made exceed the Fund&#8217;s net investment taxable income and net capital gain, the excess generally will be treated as a return of capital
    to each Common Shareholder (up to the amount of the Common Shareholder&#8217;s basis in his or her Common Shares) and thereafter as gain
    from the sale of Common Shares. The amount treated as a return of capital reduces the Common Shareholder&#8217;s adjusted basis in his
    or her Common Shares, thereby increasing his or her potential gain or reducing his or</P></TD></TR>
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    <TD STYLE="width: 70%; padding-right: 4.5pt; padding-left: 4.5pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">her potential loss on the subsequent sale of his or
    her Common Shares. Distributions in any year may include a substantial return of capital component.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Economic and market events risk</I></B>.
    Events in the U.S. and global financial markets, including actions taken by the U.S. Federal Reserve or foreign central banks to stimulate
    or stabilize economic growth, may at times result in unusually high market volatility, which could negatively impact performance. Reduced
    liquidity in credit and fixed-income markets could adversely affect issuers worldwide. Banks and financial services companies could suffer
    losses if interest rates rise or economic conditions deteriorate.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 8.3pt 0 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Industry or Sector Risk.</I></B> The
    Fund generally invests a large percentage of its assets in one or more particular industries or sectors of the economy. If a large percentage
    of the Fund's assets are economically tied to a single or small number of industries or sectors of the economy, the Fund will be less
    diversified than a more broadly diversified fund, and it may cause the Fund to underperform if that industry or sector underperforms.
    In addition, focusing on a particular industry or sector may make the Fund&#8217;s NAV more volatile. Further, a Fund that invests in
    particular industries or sectors is particularly susceptible to the impact of market, economic, regulatory and other factors affecting
    those industries or sectors. Financial services companies can be hurt by economic declines, changes in interest rates, and regulatory
    and market impacts.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 8.65pt 0 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Inflation Risk.</I></B> Inflation risk is the
    risk that the purchasing power of assets or income from investments will be worth less in the future as inflation decreases the value
    of money. As inflation increases, the real value of the Common Shares and distributions thereon can decline.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Interest Rate Risk.</I></B> Interest rate risk
    is the risk that fixed-income securities such as debt securities and preferred securities will decline in value because of changes in
    market interest rates. When market interest rates rise, the market value of such securities generally will fall. The Fund&#8217;s investments
    in debt securities and preferred securities means that the NAV and market price of the Common Shares will tend to decline if market interest
    rates rise. Given the historically low level of interest rates in recent years and the likelihood that interest rates will increase when
    the national economy strengthens, the risk of the potentially negative impact of rising interest rates on the value of the Fund&#8217;s
    portfolio may be significant. In addition, the longer the average maturity of the Fund&#8217;s portfolio of debt securities, the greater
    the potential impact of rising interest rates on the value of the Fund&#8217;s portfolio and the less flexibility the Fund may have to
    respond to the decreasing spread between the yield on its portfolio securities.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">During periods of declining interest rates, an issuer
    may exercise its option to prepay principal of debt securities or to redeem preferred securities earlier than scheduled, forcing the Fund
    to reinvest in lower yielding securities. This is known as call or prepayment risk. During periods of rising interest rates, the average
    life of certain types of securities may be extended because of slower than expected principal payments. This may lock in a below market
    interest rate, increase the security&#8217;s duration and reduce the value of the security. This is known as extension risk. Recent and
    potential future changes in government monetary policy may affect the level of interest rates.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>
    <P STYLE="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><I>Investment and Market Risk.</I></B> An investment in Common Shares
    is subject to investment and market risk, including the possible loss of the entire principal amount invested. An investment in Common
    Shares represents an indirect investment in the securities owned by the Fund, which generally are traded on a securities exchange or in
    the over-the-counter markets. The value of these securities, like other market investments, may move up or down, sometimes rapidly and
    unpredictably. Common Shares at any point in time may be worth</P></TD></TR>
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    <TD STYLE="width: 70%; padding-right: 4.5pt; padding-left: 4.5pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">less than the original investment, even after taking
    into account any reinvestment of dividends and distributions.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Leverage Risk.</I></B> The Fund is authorized
    to utilize leverage through borrowings, reinvestment of securities lending collateral or reverse repurchase agreement proceeds, and/or
    the issuance of preferred shares, including the issuance of debt securities. The Fund is party to the LA as described in &#8220;&#8212;Description
    of Capital Structure&#8212;Liquidity Facility.&#8221;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund utilizes the LA to increase its assets available
    for investment. When the Fund leverages its assets, Common Shareholders bear the fees associated with the LA and have the potential to
    benefit or be disadvantaged from the use of leverage. In addition, the fee paid to the Advisor is calculated on the basis of the Fund&#8217;s
    average daily managed assets, including proceeds from borrowings and/or the issuance of any preferred shares, so the fee will be higher
    when leverage is utilized, which may create an incentive for the Advisor to employ financial leverage. Consequently, the Fund and the
    Advisor may have differing interests in determining whether to leverage the Fund&#8217;s assets. Leverage creates risks that may adversely
    affect the return for the Common Shareholders, including:</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 21.6pt; text-align: justify; text-indent: -14.4pt"><B>&#8226;&nbsp;&nbsp;&nbsp;&nbsp;</B>the
    likelihood of greater volatility of NAV and market price of Common Shares;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 21.6pt; text-indent: -14.4pt">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 21.6pt; text-align: justify; text-indent: -14.4pt"><B>&#8226;&nbsp;&nbsp;&nbsp;&nbsp;</B>fluctuations
    in the interest rate paid for the use of the LA;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 21.6pt; text-indent: -14.4pt">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 21.6pt; text-align: justify; text-indent: -14.4pt"><B>&#8226;&nbsp;&nbsp;&nbsp;&nbsp;</B>increased
    operating costs, which may reduce the Fund&#8217;s total return;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 21.6pt; text-indent: -14.4pt">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 21.6pt; text-align: justify; text-indent: -14.4pt"><B>&#8226;&nbsp;&nbsp;&nbsp;&nbsp;</B>the
    potential for a decline in the value of an investment acquired through leverage, while the Fund&#8217;s obligations under such leverage
    remains fixed; and</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 21.6pt; text-indent: -14.4pt">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 21.6pt; text-align: justify; text-indent: -14.4pt"><B>&#8226;&nbsp;&nbsp;&nbsp;&nbsp;</B>the
    Fund is more likely to have to sell securities in a volatile market in order to meet asset coverage or other debt compliance requirements.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">To the extent the returns derived from securities purchased
    with proceeds received from leverage exceeds the cost of leverage, the Fund&#8217;s distributions may be greater than if leverage had
    not been used. Conversely, if the returns from the securities purchased with such proceeds are not sufficient to cover the cost of leverage,
    the amount available for distribution to Common Shareholders will be less than if leverage had not been used. In the latter case, the
    Advisor, in its best judgment, may nevertheless determine to maintain the Fund&#8217;s leveraged position if it deems such action to be
    appropriate. The costs of a borrowing program and/or an offering of preferred shares would be borne by Common Shareholders and consequently
    would result in a reduction of the NAV of Common Shares.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In addition to the risks created by the Fund&#8217;s
    use of leverage, the Fund is subject to the risk that it would be unable to timely, or at all, obtain replacement financing if the LA
    is terminated. For more information regarding termination, see &#8220;&#8212;Description of Capital Structure&#8212;Liquidity Facility.&#8221;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>LIBOR Discontinuation Risk.</I></B> The LA utilizes
    LIBOR as the reference or benchmark rate for interest rate calculations. LIBOR is a measure of the average interest rate at which major
    global banks can borrow from one another. Following allegations of rate manipulation and concerns regarding its thin liquidity, in July
    2017, the U.K. Financial Conduct Authority, which regulates LIBOR, announced that it will stop encouraging banks to provide the quotations
    needed to sustain LIBOR. The ICE Benchmark Administration Limited, the administrator of LIBOR, is expected to cease publishing most LIBOR
    maturities, including some US LIBOR maturities, on December 31, 2021, and the remaining and most liquid US LIBOR maturities on June 30,
    2023. It is expected that market participants such as the Fund and SSB will transition to the use of alternative reference or benchmark
    rates prior to the applicable LIBOR publication cessation date. However, although regulators have</P></TD></TR>
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    <TD STYLE="width: 70%; padding-right: 4.5pt; padding-left: 4.5pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">encouraged the development and adoption of alternative
    rates such as the Secured Overnight Financing Rate, the future utilization of LIBOR
    or of any particular replacement rate remains unclear.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Management Risk.</I></B> The Fund is subject
    to management risk because it relies on the Subadvisor&#8217;s ability to pursue the Fund&#8217;s investment objective. The Subadvisor
    applies investment techniques and risk analyses in making investment decisions for the Fund, but there can be no guarantee that it will
    produce the desired results.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Market Discount Risk.</I></B> The Fund&#8217;s
    Common Shares will be offered only when Common Shares of the Fund are trading at a price equal to or above the Fund&#8217;s NAV per Common
    Share plus the per Common Share amount of commissions. As with any security, the market value of the Common Shares may increase or decrease
    from the amount initially paid for the Common Shares. The Fund&#8217;s Common Shares have traded at both a premium and at a discount to
    NAV. The shares of closed-end management investment companies frequently trade at a discount from their NAV. This characteristic is a
    risk separate and distinct from the risk that the Fund&#8217;s NAV could decrease as a result of investment activities. Investors bear
    a risk of loss to the extent that the price at which they sell their shares is lower in relation to the Fund&#8217;s NAV than at the time
    of purchase, assuming a stable NAV.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Natural Disasters and Adverse Weather Conditions.</I></B>
    Certain areas of the world historically have been prone to major natural disasters, such as hurricanes, earthquakes, typhoons, flooding,
    tidal waves, tsunamis, erupting volcanoes, wildfires or droughts, and have been economically sensitive to environmental events. Such disasters,
    and the resulting damage, could have a severe and negative impact on the Fund&#8217;s investment portfolio and, in the longer term, could
    impair the ability of issuers in which the Fund invests to conduct their businesses in the manner normally conducted. Adverse weather
    conditions also may have a particularly significant negative effect on issuers in the agricultural sector and on insurance companies that
    insure against the impact of natural disasters.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Secondary Market for the Common Shares. </I></B>The
    issuance of new Common Shares may have an adverse effect on the secondary market for the Common Shares. When Common Shares are trading
    at a premium, the Fund may issue new Common Shares of the Fund. The increase in the amount of the Fund&#8217;s outstanding Common Shares
    resulting from the offering of new Common Shares may put downward pressure on the market price for the Common Shares of the Fund. Common
    Shares will not be issued at any time when Common Shares are trading at a price lower than a price equal to the Fund&#8217;s NAV per Common
    Share plus the per Common Share amount of commissions.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund also issues Common Shares through its dividend
    reinvestment plan. Common Shares may be issued under the plan at a discount to the market price for such Common Shares, which may put
    downward pressure on the market price for Common Shares of the Fund.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The voting power of current Common Shareholders will
    be diluted to the extent that such shareholders do not purchase shares in any future Common Share offerings or do not purchase sufficient
    shares to maintain their percentage interest. In addition, if the proceeds of such offering are unable to be invested as intended, the
    Fund&#8217;s per Common Share distribution may decrease (or may consist of return of capital) and the Fund may not participate in market
    advances to the same extent as if such proceeds were fully invested as planned.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Tax Risk.</I></B> To qualify for the special
    tax treatment available to regulated investment companies, the Fund must: (i) derive at least 90% of its annual gross income from certain
    kinds of investment income; (ii) meet certain asset diversification requirements at the end of each quarter; and (iii) distribute in</P></TD></TR>
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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 30%; padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD>
    <TD STYLE="width: 70%; padding-right: 4.5pt; padding-left: 4.5pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">each taxable year at least 90% of its net investment
    income (including net interest income and net short-term capital gain). If the Fund failed to meet any of these requirements, subject
    to the opportunity to cure such failures under applicable provisions of the Internal Revenue Code of 1986, as amended (the &#8220;Code&#8221;),
    the Fund would be subject to U.S. federal income tax at regular corporate rates on its taxable income, including its net capital gain,
    even if such income were distributed to its shareholders. All distributions by the Fund from earnings and profits, including distributions
    of net capital gain (if any), would be taxable to the shareholders as ordinary income. To the extent designated by the Fund, such distributions
    generally would be eligible (i) to be treated as qualified dividend income in the case of individual and other non-corporate shareholders
    and (ii) for the dividends received deduction in the case of corporate shareholders, provided that in each case the shareholder meets
    applicable holding period requirements. In addition, in order to requalify for taxation as a regulated investment company, the Fund might
    be required to recognize unrealized gain, pay substantial taxes and interest, and make certain distributions. See &#8220;U.S. Federal
    Income Tax Matters.&#8221;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The tax treatment and characterization of the Fund&#8217;s
    distributions may vary significantly from time to time due to the nature of the Fund&#8217;s investments. The ultimate tax characterization
    of the Fund&#8217;s distributions in a calendar year may not finally be determined until after the end of that calendar year. The Fund
    may make distributions during a calendar year that exceed the Fund&#8217;s net investment income and net realized capital gain for that
    year. In such a situation, the amount by which the Fund&#8217;s total distributions exceed net investment income and net realized capital
    gain generally would be treated as a return of capital up to the amount of the Common Shareholder&#8217;s tax basis in his or her Common
    Shares, with any amounts exceeding such basis treated as gain from the sale of his or her Common Shares. The Fund&#8217;s income distributions
    that qualify for favorable tax treatment may be affected by Internal Revenue Service (&#8220;IRS&#8221;) interpretations of the Code and
    future changes in tax laws and regulations all of which may apply with retroactive effect. See &#8220;U.S. Federal Income Tax Matters.&#8221;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">No assurance can be given as to what percentage of
    the distributions paid on the Common Shares, if any, will consist of long-term capital gain or what the tax rates on various types of
    income will be in future years.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 7.2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><I>Strategy Risks</I></B></FONT></TD>
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Banking Industry Risk.</I></B> <FONT STYLE="background-color: white">Commercial
    banks, savings and loan associations, and holding companies of the foregoing are especially subject to adverse effects of&nbsp;volatile
    interest rates, concentrations of loans in particular industries, and significant competition. Profitability of these businesses depends
    significantly upon the&nbsp;availability and cost of capital funds. Commercial banks and savings associations are subject to extensive
    federal and state regulation. </FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Corporate debt securities risk. </I></B>Corporate
    debt obligations are subject to the risk of an issuer&#8217;s inability to meet principal and interest payments on the obligations and
    also may be subject to price volatility due to such factors as market interest rates, market perception of the creditworthiness of the
    issuer and general market liquidity.<BR>
    <BR>
    </P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Credit and counterparty risk.</I></B> The issuer
    or guarantor of a fixed-income security, the counterparty to an over-the-counter derivatives contract, or a borrower of fund securities
    may not make timely payments or otherwise honor its obligations. U.S. government securities are subject to varying degrees of credit risk
    depending upon the nature of their support. A downgrade or default affecting any of the Fund&#8217;s securities could affect the Fund&#8217;s
    performance.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Equity securities risk.</I></B> The price of
    equity securities may decline due to changes in a company&#8217;s financial condition or overall market conditions.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I><BR>
    Fixed-income securities risk.</I></B> A rise in interest rates typically causes bond prices to fall. The longer the average maturity or
    duration of the bonds held by a fund, the more sensitive it will likely be to interest-rate fluctuations. An issuer</P></TD></TR>
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    <TD STYLE="width: 70%; padding-right: 4.5pt; padding-left: 4.5pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">may not make all interest payments or repay all or
    any of the principal borrowed. Changes in a security&#8217;s credit quality may adversely affect fund performance.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0; text-align: justify"><B><I>Foreign Securities Risk.</I></B>
    <FONT STYLE="background-color: white">Less information may be publicly available regarding foreign issuers. Foreign securities may be
    subject to foreign taxes and may be more&nbsp;volatile than U.S. securities. Currency fluctuations and political and economic developments
    may adversely impact the value of foreign securities. Any depositary&nbsp;receipts are subject to most of the risks associated with investing
    in foreign securities directly because the value of a depositary receipt is dependent upon the market&nbsp;price of the underlying foreign
    equity security. Depositary receipts are also subject to liquidity risk. </FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Hedging, derivatives and other strategic transactions
    risk.</I></B> Hedging, derivatives, and other strategic transactions may increase the volatility of the Fund and, if the transaction does
    not have the desired outcome, could result in a significant loss to the Fund. The use of derivative instruments could produce disproportionate
    gain or loss, more than the principal amount invested. Investing in derivative instruments involves risks different from, or possibly
    greater than, the risks associated with investing directly in securities and other traditional investments and, in a down market, could
    become harder to value or sell at a fair price. The following is a list of certain derivatives and other strategic transactions that the
    Fund may utilize and the main risks associated with each of them:</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt 24.6pt; text-align: justify; text-indent: -18pt"><B>&#8226;&nbsp;&nbsp;&nbsp;&nbsp;<I>Credit
    default swaps. </I></B>Counterparty risk, liquidity risk (<I>i.e.</I>, the inability to enter into closing transactions), interest-rate
    risk, settlement risk, risk of default of the underlying reference obligation and risk of disproportionate loss are the principal risks
    of engaging in transactions involving credit default swaps.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt 21.6pt; text-align: justify; text-indent: -14.4pt"><B>&#8226;&nbsp;&nbsp;&nbsp;&nbsp;<I>Foreign
    currency forward contracts. </I></B>Counterparty risk, liquidity risk (<I>i.e.</I>, the inability to enter into closing transactions),
    foreign currency risk and risk of disproportionate loss are the principal risks of engaging in transactions involving foreign currency
    forward contracts.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt 21.6pt; text-align: justify; text-indent: -14.4pt"><B>&#8226;&nbsp;&nbsp;&nbsp;&nbsp;<I>Foreign
    currency swaps. </I></B>Counterparty risk, liquidity risk (<I>i.e.</I>, the inability to enter into closing transactions), foreign currency
    risk and risk of disproportionate loss are the principal risks of engaging in transactions involving foreign currency swaps.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt 21.6pt; text-align: justify; text-indent: -14.4pt"><B>&#8226;&nbsp;&nbsp;&nbsp;&nbsp;<I>Futures
    contracts. </I></B>Counterparty risk, liquidity risk (<I>i.e.</I>, the inability to enter into closing transactions) and risk of disproportionate
    loss are the principal risks of engaging in transactions involving futures contracts.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt 21.6pt; text-align: justify; text-indent: -14.4pt"><B>&#8226;&nbsp;&nbsp;&nbsp;&nbsp;<I>Interest-rate
    swaps. </I></B>Counterparty risk, liquidity risk (<I>i.e.</I>, the inability to enter into closing transactions), interest-rate risk and
    risk of disproportionate loss are the principal risks of engaging in transactions involving interest-rate swaps.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt 21.6pt; text-align: justify; text-indent: -14.4pt"><B>&#8226;&nbsp;&nbsp;&nbsp;&nbsp;<I>Options
    and currency options. </I></B>Counterparty risk, liquidity risk (<I>i.e.</I>, the inability to enter into closing transactions) and risk
    of disproportionate loss are the principal risks of engaging in transactions involving options, including currency options. Counterparty
    risk does not apply to exchange-traded options.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 21.6pt; text-align: justify; text-indent: -14.4pt"><B>&#8226;&nbsp;&nbsp;&nbsp;&nbsp;<I>Swaps.
    </I></B>Counterparty risk, liquidity risk (<I>i.e.</I>, the inability to enter into closing transactions), interest-rate risk, settlement
    risk, risk of default of the underlying reference obligation and risk of disproportionate loss are the principal risks of engaging in
    transactions involving swaps, including credit default swaps and total return swaps.</P>

</TD></TR>
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    <TD STYLE="width: 70%; padding-right: 4.5pt; padding-left: 4.5pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Illiquid and restricted securities risk. </I></B>The
    Fund may invest without limit in securities for which there is no readily available
    trading market or which are otherwise illiquid <FONT STYLE="background-color: white">(<I>i.e.,</I>&nbsp;investments that the Fund reasonably
    expects cannot be sold or disposed of in current market conditions in seven calendar days or less without the sale or disposition significantly
    changing the market value of the investment)</FONT>. The Fund may have significant exposure to restricted securities.&nbsp; Restricted
    securities are securities with restrictions on public resale, such as securities offered in accordance with an exemption under Rule 144A
    under the Securities Act of 1933 (the &#8220;1933 Act&#8221;), or commercial paper issued under Section 4(a)(2) of the 1933 Act.&nbsp;
    Restricted securities are often required to be sold in private sales to institutional buyers, markets for restricted securities may or
    may not be well developed, and restricted securities can be illiquid.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Illiquid and restricted securities may be difficult
    to value and may involve greater risks than liquid securities. Illiquidity may have an adverse impact on a particular security&#8217;s
    market price and the fund&#8217;s ability to see the security. <FONT STYLE="background-color: white">Illiquid investments may become harder
    to value, especially in changing markets. The Fund&#8217;s investments in illiquid securities may reduce the returns of the Fund because
    it may be unable to sell the illiquid investments at an advantageous time or price or possibly require the Fund to dispose of other investments
    at unfavorable times or prices in order to satisfy its obligations, which could prevent the Fund from taking advantage of other investment
    opportunities. Additionally, the market for certain investments may become illiquid under adverse market or economic conditions independent
    of any specific adverse changes in the conditions of a particular issuer.</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The extent (if at all) to which a security may be sold
    or a derivative position closed without negatively impacting its market value may be impaired by&nbsp;reduced market activity or participation,
    legal restrictions, or other economic and market impediments. Liquidity risk may be magnified in rising interest rate environments due
    to higher than normal redemption rates. Widespread selling of fixed-income securities to satisfy obligations during periods of reduced
    demand may adversely impact the price or salability of such securities. Periods of heavy redemption could cause the fund to sell assets
    at a loss or depressed value, which could negatively affect performance.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In addition, limited liquidity could affect the market
    price of the investments, thereby adversely affecting the Fund&#8217;s NAV and ability to make dividend distributions. The financial markets
    in general have in recent years experienced periods of extreme secondary market supply and demand imbalance, resulting in a loss of liquidity
    during which market prices were suddenly and substantially below traditional measures of intrinsic value. During such periods, some investments
    could be sold only at arbitrary prices and with substantial losses. Periods of such market dislocation may occur again at any time. The
    Fund has no limitation on the amount of its assets which may be invested in investments which are not readily marketable or are subject
    to restrictions on resale.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Large company risk</I></B>. Larger companies
    may grow more slowly than smaller companies or be slower to respond to business developments. Large-capitalization securities may underperform
    the market as a whole.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 1.45pt 0 0; text-align: justify; color: #231F20"><B><I>Lower-rated and high-yield
    fixed-income securities risk.</I></B> Lower-rated and high-yield fixed-income securities (junk bonds) are subject to greater credit quality
    risk, risk of default, and price volatility than higher-rated fixed-income securities, may be considered speculative, and can be difficult
    to resell.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; padding-left: 4.5pt; font-size: 12pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 4.5pt; padding-left: 4.5pt; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; padding-left: 4.5pt; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><I>Preferred and convertible securities risk. </I></B><FONT STYLE="color: black">Unlike interest on debt securities, preferred stock dividends are payable only if&nbsp;declared by the issuer&#8217;s board. Also, preferred stock may be subject to optional&nbsp;or mandatory redemption</FONT></FONT></TD></TR>
  </TABLE>



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    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">provisions. The market values of convertible
    securities&nbsp;tend to fall as interest rates rise and rise as interest rates fall. The value of&nbsp;convertible preferred stock
    can depend heavily upon the value of the security&nbsp;into which such convertible preferred stock is converted, depending on
    whether&nbsp;the market price of the underlying security exceeds the conversion price.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Real estate investment trust securities risk</I>.</B>&nbsp;Securities
    of companies in the real estate industry include equity real estate investment trusts (&#8220;REITs&#8221;) and mortgage REITs. Equity
    REITs may be affected by changes in the value of the underlying property owned by the REIT, while mortgage REITs may be affected by the
    quality of any credit extended. Further, equity and mortgage REITs are dependent upon management skills and generally may not be diversified.
    Equity and mortgage REITs are also subject to heavy cash flow dependency, defaults by borrowers and self-liquidations. In addition, equity
    and mortgage REITs could possibly fail to qualify for tax-free pass-through of income under the Code, as amended, or to maintain their
    exemptions from registration under the 1940 Act. The above factors may also adversely affect a borrower&#8217;s or a lessee&#8217;s ability
    to meet its obligations to a REIT. In the event of a default by a borrower or lessee, a REIT may experience delays in enforcing its rights
    as a mortgagee or lessor and may incur substantial costs associated with protecting its investments. In addition, even the larger REITs
    in the industry tend to be small- to medium-sized companies in relation to the equity markets as a whole. Moreover, shares of REITs may
    trade less frequently and, therefore, are subject to more erratic price movements, than securities of larger issuers.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Repurchase agreement risk.</I></B> The risk
    of a repurchase agreement transaction is limited to the ability of the seller to pay the agreed-upon sum on the delivery date. In
    the event of bankruptcy or other default by the seller, the instrument purchased may decline in value, interest payable on the
    instrument may be lost and there may be possible difficulties and delays in obtaining collateral and delays and expense in
    liquidating the instrument.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Reverse repurchase agreement risk.</I></B> Reverse
    repurchase agreement transactions involve the risk that the market value of the securities that the Fund is obligated to repurchase under
    such agreements may decline below the repurchase price. Any fluctuations in the market value of either the securities transferred to the
    other party or the securities in which the proceeds may be invested would affect the market value of the Fund&#8217;s assets, thereby
    potentially increasing fluctuations in the market value of the Fund&#8217;s assets. In the event the buyer of securities under a reverse
    repurchase agreement files for bankruptcy or becomes insolvent, the Fund&#8217;s use of proceeds received under the agreement may be restricted
    pending a determination by the other party, or its trustee or receiver, whether to enforce the Fund&#8217;s obligation to repurchase the
    securities. An event of default of insolvency of the counterparty to a reverse repurchase agreement could result in delays or restrictions
    with respect to the Fund&#8217;s ability to dispose of the underlying securities, in addition, a reverse repurchase agreement may be considered
    a form of leverage and may, therefore, increase fluctuations in the Fund&#8217;s net asset value per share (NAV).
    </P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Small and mid-sized company risk. </I></B>Small
    and mid-sized companies are generally less established and may be more volatile than larger companies. Small and/or mid-capitalization
    securities may underperform the market as a whole.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>State/region risk.</I></B> To the extent that
    the fund invests heavily in bonds from any given state or region, its performance could be disproportionately affected by factors particular
    to that state or region. These may include economic or policy changes, erosion of the tax base, and state legislative changes (especially
    those regarding budgeting and taxes).</P></TD></TR>
  </TABLE>



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    <TD STYLE="width: 70%; padding-right: 4.5pt; padding-left: 4.5pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>U.S. government securities risk. </I></B>No assurance
    can be given that the U.S. government will provide financial support in the future to U.S. government agencies, authorities or instrumentalities
    that are not supported by the full faith and credit of the U.S. Securities guaranteed as to principal and interest by the United States
    government, its agencies, authorities or instrumentalities include: (i) securities for which the payment of principal and interest is
    backed by an irrevocable letter of credit issued by the U.S. government or any of its agencies, authorities or instrumentalities; and
    (ii) participations in loans made to non-U.S. governments or other entities that are so guaranteed. The secondary market for certain of
    these participations is limited and therefore may be regarded as illiquid.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Warrants risk</I>.</B> Warrants are rights to
    purchase securities at specific prices and are valid for a specific period of time. Warrant prices do not necessarily move parallel to
    the prices of the underlying securities, and warrant holders receive no dividends and have no voting rights or rights with respect to
    the assets of an issuer. The price of a warrant may be more volatile than the price of its underlying security, and a warrant may offer
    greater potential for capital appreciation as well as capital loss. Warrants cease to have value if not exercised prior to the expiration
    date. These factors can make warrants more speculative than other types of investments.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-right: 0; padding-left: 0">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 21.6pt; text-align: center; text-indent: -14.4pt"><B><I>Given the risks
    described above, an investment in Common Shares may not be appropriate for all investors.</I></B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 21.6pt; text-align: center; text-indent: -14.4pt"><B><I>You should carefully
    consider your ability to assume these risks before making an investment in the Fund.</I></B></P></TD></TR>
  </TABLE>



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<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt; text-align: center"><A NAME="tocpro_002"></A>Summary of Fund Expenses</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The purpose of the table below is to help you understand
all fees and expenses that you, as a Common Shareholder, would bear directly or indirectly. In accordance with SEC requirements, the table
below shows the Fund&#8217;s expenses as a percentage of its average net assets as of December 31, 2020, and not as a percentage of total
assets. By showing expenses as a percentage of average net assets, expenses are not expressed as a percentage of all of the assets in
which the Fund invests. The offering costs to be paid or reimbursed by the Fund are not included in the Annual Expenses table below. However,
these expenses will be borne by Common Shareholders and may result in a reduction in the NAV of the Common Shares. See &#8220;Management
of the Fund&#8221; and &#8220;Dividend Reinvestment Plan.&#8221; The table and example are based on the Fund&#8217;s capital structure
as of December 31, 2020.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 3pt 5.05pt 3pt 4pt; width: 87%; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Shareholder Transaction Expenses</B></FONT></TD>
    <TD STYLE="padding: 3pt 2.35pt; width: 13%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 3pt 5.05pt 3pt 19pt; text-indent: -5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Sales load (as a percentage of offering price) <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="padding: 3pt 2.35pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><U>_____</U>%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 3pt 5.05pt 3pt 19pt; text-indent: -5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Offering expenses (as a percentage of offering price) <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="padding: 3pt 2.35pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><U>_____</U>%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 3pt 5.05pt 3pt 19pt; text-indent: -5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Dividend Reinvestment Plan fees <SUP>(2)</SUP></FONT></TD>
    <TD STYLE="padding: 3pt 2.35pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9;None</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 3pt 5.05pt 3pt 4pt; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Annual Expenses (Percentage of Net Assets Attributable to Common Shares)</B></FONT></TD>
    <TD STYLE="padding: 3pt 2.35pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 3pt 5.05pt 3pt 19pt; text-indent: -5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Management fees <SUP>(3)</SUP></FONT></TD>
    <TD STYLE="padding: 3pt 2.35pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1.44%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 3pt 5.05pt 3pt 19pt; text-indent: -5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Interest payments on borrowed funds<SUP>(4)</SUP></FONT></TD>
    <TD STYLE="padding: 3pt 2.35pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">0.32%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 3pt 5.05pt 3pt 19pt; text-indent: -5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Other expenses</FONT></TD>
    <TD STYLE="padding: 3pt 2.35pt; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">0.45%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 3pt 5.05pt 3pt 19pt; text-indent: -5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Total Annual Operating Expenses</FONT></TD>
    <TD STYLE="padding: 3pt 2.35pt; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2.21%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 3pt 5.05pt 3pt 19pt; text-indent: -5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Contractual Expense Reimbursement <SUP>(5)</SUP></FONT></TD>
    <TD STYLE="padding: 3pt 2.35pt; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(0.20)%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 3pt 5.05pt 3pt 19pt; text-indent: -5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Total Annual Fund Operating Expenses After Expense Reimbursements&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding: 3pt 2.35pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2.01%</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>



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<TD STYLE="width: 0"></TD><TD STYLE="width: 15.95pt">(1)</TD><TD STYLE="text-align: justify">If Common Shares are sold to or through underwriters, the Prospectus Supplement will set forth any applicable
sales load and the estimated offering expenses.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 15.95pt">(2)</TD><TD STYLE="text-align: justify">Participants in the Fund&#8217;s dividend reinvestment plan do not pay brokerage charges with respect
to Common Shares issued directly by the Fund. However, whenever Common Shares are purchased or sold on the NYSE or otherwise on the open
market, each participant will pay a <I>pro rata </I>portion of brokerage trading fees, currently $0.05 per share purchased or sold. Brokerage
trading fees will be deducted from amounts to be invested. Shareholders participating in the Plan may buy additional Common Shares of
the Fund through the Plan at any time and will be charged a $5 transaction fee plus $0.05 per share brokerage trading fee for each order.
See &#8220;Distribution Policy&#8221; and &#8220;Dividend Reinvestment Plan.&#8221;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 15.95pt">(3)</TD><TD STYLE="text-align: justify">See &#8220;Management of the Fund&#8212;The Advisor.&#8221;</TD></TR></TABLE>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 15.95pt">(4)</TD><TD STYLE="text-align: justify">The Fund uses leverage by borrowing under a liquidity agreement. &#8220;Interest payments on borrowed
funds&#8221; includes all interest paid in connection with outstanding loans. See &#8220;Other Investment Policies - Borrowing&#8221;
and &#8220;Use of Leverage by the Fund.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt 15.95pt; text-align: justify; text-indent: -15.95pt">(5) The Advisor
contractually agrees to waive a portion of its management fee and/or reimburse expenses for the Fund and certain other John Hancock funds
according to an asset level breakpoint schedule that is based on the aggregate net assets of all the funds participating in the waiver
or reimbursement. This waiver is allocated proportionally among the participating funds. During its most recent fiscal year, the fund&#8217;s
reimbursement amounted to 0.01% of the fund&#8217;s average daily net assets. This agreement expires on July 31, 2023, unless renewed
by mutual agreement of the fund and the Advisor based upon a determination that this is appropriate under the circumstances at that time.
&nbsp;The Advisor contractually agrees to limit its administration fee to 0.10% of the fund&#8217;s average weekly gross assets. This
agreement expires on April 30, 2023, unless renewed by mutual agreement of the fund and the Advisor based upon a determination that this
is appropriate under the circumstances at that time.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>EXAMPLE</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The following example illustrates the expenses that
Common Shareholders would pay on a $1,000 investment in Common Shares, assuming (i) total annual expenses set forth above, including any
reimbursements through their current expiration date; (ii) a 5% annual return; and (iii) all distributions are reinvested at NAV:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: bottom; padding: 3pt; width: 40%; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 3pt; width: 15%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;1 Year&#9;</U></B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 3pt; width: 15%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;3 Years&#9;</U></B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 3pt; width: 15%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;5 Years&#9;</U></B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 3pt; width: 15%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;10 Years&#9;</U></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Total Expenses</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$20</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$67</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$117</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$253</FONT></TD></TR>
  </TABLE>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The above table and example and the assumption in the
example of a 5% annual return are required by regulations of the SEC that are applicable to all investment companies; the assumed 5% annual
return is not a prediction of, and does not represent, the projected or actual performance of the Fund&#8217;s Common Shares. For more
complete descriptions of certain of the Fund&#8217;s costs and expenses, see &#8220;Management of the Fund.&#8221; In addition, while
the example assumes reinvestment of all dividends and distributions at NAV, participants in the Fund&#8217;s dividend reinvestment plan
may receive Common Shares purchased or issued at a price or value different from NAV. See &#8220;Distribution Policy&#8221; and &#8220;Dividend
Reinvestment Plan.&#8221; The example does not include sales load or estimated offering costs, which would cause the expenses shown in
the example to increase.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>The example should not be considered a representation
of past or future expenses, and the Fund&#8217;s actual expenses may be greater or less than those shown. Moreover, the Fund&#8217;s actual
rate of return may be greater or less than the hypothetical 5% return shown in the example. </B></P>


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<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: center"><A NAME="tocpro_003"></A>Financial Highlights</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">This table details the financial performance of the
Common Shares, including total return information showing how much an investment in the Fund has increased or decreased each period (assuming
reinvestment of all dividends and distributions).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The financial statements of the Fund as of December 31, 2020, have been
audited by PricewaterhouseCoopers LLP (&ldquo;PwC&rdquo;), the Fund&rsquo;s independent registered public accounting firm. The report
of PwC is included, along with the Fund&rsquo;s financial statements, in the Fund&rsquo;s annual report for the fiscal year ended December
31, 2020, has been incorporated by reference into the SAI. Copies of the Fund&rsquo;s most
recent annual and semi-annual reports are available upon request.</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Common Shares</B></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 3pt 3pt 3pt 13pt; width: 41%; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Period ended</B></FONT></TD>
    <TD STYLE="padding: 3pt; width: 12%; text-align: center; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>12-31-20</B></FONT></TD>
    <TD STYLE="padding: 3pt; width: 12%; text-align: center; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>12-31-19</B></FONT></TD>
    <TD STYLE="padding: 3pt; width: 12%; text-align: center; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>12-31-18</B></FONT></TD>
    <TD STYLE="padding: 3pt; width: 12%; text-align: center; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>12-31-17</B></FONT></TD>
    <TD STYLE="padding: 3pt; width: 11%; text-align: center; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>12-31-16</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 3pt 3pt 3pt 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #67B9E6"><B>&nbsp;Per share operating performance</B></FONT></TD>
    <TD STYLE="padding: 3pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 3pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 3pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 3pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 3pt; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: #D8D8D8 1pt solid; padding: 3pt 3pt 3pt 13pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Net asset value, beginning of period</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$36.38</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$29.06</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$36.94</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$34.98</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$26.17</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="border-bottom: #D8D8D8 1pt solid; padding: 3pt 3pt 3pt 13pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Net
    investment income<SUP>1</SUP></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.60</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.50</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.39</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.37</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.50</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: #D8D8D8 1pt solid; padding: 3pt 3pt 3pt 13pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Net realized and unrealized gain (loss) on investments</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;(6.30)</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.02</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;(6.61)</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.07</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.79</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="border-bottom: #D8D8D8 1pt solid; padding: 3pt 3pt 3pt 13pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Total from investment operations</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;&nbsp;&nbsp;(5.70)</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;&nbsp;&nbsp;&nbsp;9.52</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;&nbsp;&nbsp;(6.22)</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;&nbsp;&nbsp;&nbsp;3.44</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;&nbsp;10.29</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: #D8D8D8 1pt solid; padding: 3pt 3pt 3pt 13pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Less distributions</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="border-bottom: #D8D8D8 1pt solid; padding: 3pt 3pt 3pt 13pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">From net investment income</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;(0.65)</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;(0.48)</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;(0.40)</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;(0.42)</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;(0.40)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: #D8D8D8 1pt solid; padding: 3pt 3pt 3pt 13pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">From net realized gain</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;(1.55)</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;(1.72)</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;(1.26)</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;(1.06)</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;(1.08)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="border-bottom: #D8D8D8 1pt solid; padding: 3pt 3pt 3pt 13pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Total distributions</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;&nbsp;&nbsp;(2.20)</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;&nbsp;&nbsp;(2.20)</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;&nbsp;&nbsp;(1.66)</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;&nbsp;&nbsp;(1.48)</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;&nbsp;&nbsp;(1.48)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: #D8D8D8 1pt solid; padding: 3pt 3pt 3pt 13pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Anti-dilutive impact of repurchase plan</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#8212;</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#8212;</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#8212;</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#8212;</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#8212;<SUP>2,3</SUP></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="border-bottom: #D8D8D8 1pt solid; padding: 3pt 3pt 3pt 13pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Net asset value, end of period</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$28.48</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$36.38</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$29.06</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$36.94</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$34.98</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: #D8D8D8 1pt solid; padding: 3pt 3pt 3pt 13pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Per share market value, end of period</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$30.35</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$36.30</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$27.93</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$39.33</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$36.27</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="border-bottom: #D8D8D8 1pt solid; padding: 3pt 3pt 3pt 13pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Total
    return at net asset value (%)</B><SUP>4,5</SUP></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;(13.38)</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;&nbsp;33.71</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;(17.42)</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;&nbsp;10.08</B></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;&nbsp;41.10</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 3pt 3pt 3pt 13pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Total
    return at market value (%)</B><SUP>4</SUP></FONT></TD>
    <TD STYLE="padding: 3pt; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;&nbsp;&nbsp;(7.49)</B></FONT></TD>
    <TD STYLE="padding: 3pt; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;&nbsp;38.81</B></FONT></TD>
    <TD STYLE="padding: 3pt; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;(25.46)</B></FONT></TD>
    <TD STYLE="padding: 3pt; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;&nbsp;13.03</B></FONT></TD>
    <TD STYLE="padding: 3pt; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;&nbsp;36.60</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 3pt 3pt 3pt 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #67B9E6"><B>&nbsp;Ratios and supplemental data</B></FONT></TD>
    <TD STYLE="padding: 3pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 3pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 3pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 3pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 3pt; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: #D8D8D8 1pt solid; padding: 3pt 3pt 3pt 13pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Net assets, end of period (in millions)</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;$535</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;$680</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;$543</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;$689</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;$651</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="border-bottom: #D8D8D8 1pt solid; padding: 3pt 3pt 3pt 13pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Ratios (as a percentage of average net assets):</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: #D8D8D8 1pt solid; padding: 3pt 3pt 3pt 23pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Expenses before reductions</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.21</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.27</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.04</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.93</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.02</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="border-bottom: #D8D8D8 1pt solid; padding: 3pt 3pt 3pt 23pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Expenses
    including reductions<SUP>6</SUP></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.01</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.08</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.86</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.75</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.82</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: #D8D8D8 1pt solid; padding: 3pt 3pt 3pt 23pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Net investment income</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.50</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.52</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.04</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.07</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.88</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 3pt 3pt 3pt 13pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Portfolio turnover (%)</FONT></TD>
    <TD STYLE="padding: 3pt; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10</FONT></TD>
    <TD STYLE="padding: 3pt; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13</FONT></TD>
    <TD STYLE="padding: 3pt; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11</FONT></TD>
    <TD STYLE="padding: 3pt; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5</FONT></TD>
    <TD STYLE="padding: 3pt; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 3pt 3pt 3pt 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #67B9E6"><B>&nbsp;Senior securities</B></FONT></TD>
    <TD STYLE="padding: 3pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 3pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 3pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 3pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 3pt; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="border-bottom: #D8D8D8 1pt solid; padding: 3pt 3pt 3pt 13pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Total debt outstanding end of period (in millions)</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;$125</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;$125</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;$120</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;$110</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;$110</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: #D8D8D8 1pt solid; padding: 3pt 3pt 3pt 13pt; text-indent: -10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Asset
    coverage per $1,000 of debt<SUP>7</SUP></FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;$5,278</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;$6,440</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;$5,522</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;$7,265</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #D8D8D8 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;$6,922</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 12pt; padding-right: 3pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><SUP>1</SUP></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-left: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Based on average daily shares outstanding.</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-top: 2pt; padding-right: 3pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><SUP>2</SUP></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-top: 2pt; padding-left: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Less than $0.005 per share.</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-top: 2pt; padding-right: 3pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><SUP>3</SUP></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-top: 2pt; padding-left: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The repurchase plan was completed at an average repurchase price of $20.79 for 10,000 shares for the period ended 12-31-16.</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-top: 2pt; padding-right: 3pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><SUP>4</SUP></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-top: 2pt; padding-left: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Total return based on net asset value reflects changes in the fund&#8217;s net asset value during each period. Total return based on market value reflects changes in market value. Each figure assumes that distributions from income, capital gains and tax return of capital, if any, were reinvested.</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-top: 2pt; padding-right: 3pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><SUP>5</SUP></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-top: 2pt; padding-left: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Total returns would have been lower had certain expenses not been reduced during the applicable periods.</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-top: 2pt; padding-right: 3pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><SUP>6</SUP></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-top: 2pt; padding-left: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Expenses including reductions excluding interest expense were 1.69%, 1.50%, 1.44%, 1.45% and 1.58% for the periods ended 12-31-20, 12-31-19, 12-31-18, 12-31-17 and 12-31-16, respectively. </FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-top: 2pt; padding-right: 3pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><SUP>7</SUP></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-top: 2pt; padding-left: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Asset coverage equals the total net assets plus borrowings divided by the borrowings of the fund outstanding at period end (Note 8). As debt outstanding changes, the level of invested assets may change accordingly. Asset coverage ratio provides a measure of leverage.</FONT></TD></TR>
  </TABLE>



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  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 3pt; padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold; width: 34%"><FONT STYLE="font-size: 10pt">Period ended</FONT></TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold; width: 9%"><FONT STYLE="font-size: 10pt">12-31-15</FONT></TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold; width: 1%">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold; width: 9%"><FONT STYLE="font-size: 10pt">10-31-15</FONT></TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold; width: 1%">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold; width: 9%"><FONT STYLE="font-size: 10pt">10-31-14</FONT></TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold; width: 1%">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold; width: 9%"><FONT STYLE="font-size: 10pt">10-31-13</FONT></TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold; width: 1%">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold; width: 9%"><FONT STYLE="font-size: 10pt">10-31-12</FONT></TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold; width: 1%">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold; width: 9%"><FONT STYLE="font-size: 10pt">10-31-11</FONT></TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold; width: 1%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding-left: 3pt; padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">Per share operating performance</FONT></TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 3pt; padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">Net asset value, beginning of period</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">26.00</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">25.19</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">23.01</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">18.91</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">15.67</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">16.90</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding-left: 3pt; padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">Net investment income</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">0.10</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">0.52</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt"><SUP>3</SUP></FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">0.35</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">0.29</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">0.17</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">0.08</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 3pt; padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">Net realized and unrealized gain (loss) on investments</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">0.44</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">1.55</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">3.01</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">4.99</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">3.97</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">(0.49)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding-left: 3pt; padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">Total from investment operations</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">0.54</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">2.07</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">3.36</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">5.28</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">4.14</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">(0.41)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 3pt; padding-bottom: 3pt; padding-top: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">Less distributions to common shareholders</FONT></TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding-left: 3pt; padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">From net investment income</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">(0.10)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">(0.47)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">(0.35)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">(0.22)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">(0.17)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">(0.09)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 3pt; padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">From net realized gain</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">(0.27)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">(0.79)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">(0.83)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">(0.96)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">(0.75)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">(0.82)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding-left: 3pt; padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">From tax return of capital</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">(0.02)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 3pt; padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">Total distributions</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">(0.37)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">(1.26)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">(1.18)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">(1.18)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">(0.94)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">(0.91)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding-left: 3pt; padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">Anti-dilutive impact of repurchase plan</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">0.04</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt"><SUP>4</SUP></FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">0.09</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt"><SUP>4</SUP></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 3pt; padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">Net asset value, end of period</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">26.17</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">26.00</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">25.19</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">23.01</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">18.91</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">15.67</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding-left: 3pt; padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">Per share market value, end of period</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">28.03</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">26.77</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">22.97</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">22.20</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">18.03</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">14.29</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 3pt; padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">Total return at net asset value (%)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">2.05</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt"><SUP>7</SUP></FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">8.60</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">15.16</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">29.03</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">27.70</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">(1.81)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding-left: 3pt; padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">Total return at market value (%)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">6.16</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt"><SUP>7</SUP></FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">22.63</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">8.84</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">30.56</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">33.51</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; text-align: right; font-weight: bold"><FONT STYLE="font-size: 10pt">0.76</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 3pt; padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold"><FONT STYLE="font-size: 10pt">Ratios and supplemental data</FONT></TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3pt; border-bottom: Black 1pt solid; padding-top: 3pt; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding-left: 3pt; padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">Net assets applicable to common shares, end of period (in millions)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">486</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">482</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">467</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">426</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">350</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">298</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 3pt; padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">Ratios (as a percentage of average net assets):</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding-left: 13pt; padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">Expenses before reductions</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">2.02</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt"><SUP>8</SUP></FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">1.99</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">1.99</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">1.88</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">1.53</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">1.52</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 13pt; padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">Expenses including reductions</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">1.83</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt"><SUP>8</SUP></FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">1.80</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">1.81</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">1.71</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">1.38</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">1.37</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding-left: 13pt; padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">Net investment income</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">2.15</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt"><SUP>8</SUP></FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">2.03</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt"><SUP>3</SUP></FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">1.43</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">1.37</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">0.94</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">0.48</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 3pt; padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">Portfolio turnover (%)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">2</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">18</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">15</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">20</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">19</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">23</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding-left: 3pt; padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">Total debt outstanding end of period (in millions)</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">110</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">110</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">110</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">95</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 3pt; padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">Asset coverage per $1,000 of debt</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">5,419</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">5,385</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">5,244</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">5,487</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-top: 3pt; text-align: right; padding-bottom: 3pt"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 12pt"><FONT STYLE="font-size: 10pt">1</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">For the two-month period ended 12-31-15. The fund changed its fiscal year end from October 31 to December 31.</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-size: 10pt">2</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Based on average daily shares outstanding.</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-size: 10pt">3</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Net investment income per share and the percentage of average net assets reflects special dividends received by the fund, which amounted to $0.04 and 0.15%, respectively.</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-size: 10pt">4</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">The repurchase plan was completed at an average repurchase price of $15.15 and $14.82 for 461,253 and 1,016,051 shares, and $6,987,727 and $15,062,318 for the years ended 10-31-12 and 10-31-11, respectively.</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-size: 10pt">5</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Total returns would have been lower had certain expenses not been reduced during the applicable periods.</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-size: 10pt">6</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Total return based on net asset value reflects changes in the fund's net asset value during each period. Total return based on market value reflects changes in market value. Each figure assumes that distributions from income, capital gains and tax return of capital, if any, were reinvested. These figures will differ depending upon the level of any discount from or premium to net asset value at which the fund's shares traded during the period.</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-size: 10pt">7</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Not annualized.</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-size: 10pt">8</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Annualized.</FONT></TD></TR>
  </TABLE>



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<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt; text-align: center"><A NAME="tocpro_004"></A>Market and Net Asset Value
Information</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund&#8217;s currently outstanding Common Shares
are listed on the New York Stock Exchange (&#8220;NYSE&#8221;) under the symbol &#8220;BTO&#8221; and commenced trading on the NYSE in
1994.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund&#8217;s Common Shares have traded both at
a premium and at a discount to its net asset value (&#8220;NAV&#8221;). The Fund cannot predict whether its shares will trade in the future
at a premium or discount to NAV. The provisions of the 1940 Act generally require that the public offering price of common shares (less
any underwriting commissions and discounts) must equal or exceed the NAV per share of a company&#8217;s common stock (calculated within
48 hours of pricing). The Fund&#8217;s issuance of Common Shares may have an adverse effect on prices in the secondary market for Common
Shares by increasing the number of Common Shares available, which may put downward pressure on the market price for Common Shares. Shares
of common stock of closed-end investment companies frequently trade at a discount from NAV. See &#8220;Risk Factors&#8212;General Risks&#8212;Market
Discount Risk&#8221; and &#8220;&#8212;Secondary Market for the Common Shares.&#8221;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The following table sets forth for each of the periods
indicated the high and low closing market prices for Common Shares on the NYSE, and the corresponding NAV per share and the premium or
discount to NAV per share at which the Fund&#8217;s Common Shares were trading as of such date. NAV is determined once daily as of the
close of regular trading of the NYSE (typically 4:00 P.M., Eastern Time). See &#8220;Determination of Net Asset Value&#8221; for information
as to the determination of the Fund&#8217;s NAV.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0; padding: 3pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD>
    <TD COLSPAN="2" STYLE="text-align: center; padding: 3pt">
    <P STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0">&nbsp;</P>
    <P STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0">&nbsp;</P>
    <P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><B><U>&#9;Market Price&#9;</U></B></P></TD>
    <TD COLSPAN="2" STYLE="text-align: center; padding: 3pt">
    <P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><B>&#9;NAV per Share on</B></P>
    <P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><B>&#9;Date of Market Price</B></P>
    <P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><B><U>&#9;High and Low&#9;</U></B></P></TD>
    <TD COLSPAN="2" STYLE="padding: 3pt; text-align: right">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0"><B>&#9;Premium/(Discount) on</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0"><B>&#9;Date of Market Price</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0"><B><U>&#9;High and Low&#9;</U></B></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0; padding: 3pt; width: 28%; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>Fiscal Quarter Ended</U></B></FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; width: 12%; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;High&#9;</U></B></FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; width: 12%; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;Low&#9;</U></B></FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; width: 12%; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;High&#9;</U></B></FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; width: 12%; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;Low&#9;</U></B></FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center; width: 12%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;High&#9;</U></B></FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center; width: 12%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;Low&#9;</U></B></FONT></TD></TR>
  <TR STYLE="background-color: rgb(210,247,250)">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">June 30, 2019</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$34.61</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$30.56</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$34.29</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$31.37</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">0.93%</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">-2.58%</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">September 30, 2019</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$33.42</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$29.53</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$34.28</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$30.35</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">-2.51%</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">-2.70%</FONT></TD></TR>
  <TR STYLE="background-color: rgb(210,247,250)">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">December 31, 2019</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$36.30</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$30.69</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$36.38</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$31.34</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">-0.22%</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">-2.07%</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">March 31, 2020</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$36.81</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$12.35</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$36.44</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$14.87</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1.02%</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">-16.95%</FONT></TD></TR>
  <TR STYLE="background-color: rgb(210,247,250)">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">June 30, 2020</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$27.45</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$16.16</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$26.00</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$16.33</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.58%</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">-1.04%</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">September 30, 2020</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$24.10</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$19.76</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$22.58</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$19.61</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6.73%</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">0.76%</FONT></TD></TR>
  <TR STYLE="background-color: rgb(210,247,250)">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">December 31, 2020</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$30.93</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$21.23</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$28.33</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$19.51</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">9.18%</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">8.82%</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">March 31, 2021</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$39.09</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$29.41</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$37.77</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$28.18</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3.49%</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4.36%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The last reported sale price, NAV per share and percentage premium to
NAV per share of the Common Shares as of June 21, 2021 were $37.80, $36.66 and 3.11%, respectively. As of June 21, 2021, the Fund
had 18,789,888 Common Shares outstanding and net assets of the Fund were $688,871,007.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt; text-align: center"><A NAME="tocpro_005"></A>The Fund</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund is a diversified, closed-end management investment
company registered under the 1940 Act. The Fund was organized on June 16, 1994 as a Massachusetts business trust pursuant to an Agreement
and Declaration of Trust (as amended and restated from time to time, the &#8220;Declaration of Trust&#8221;). The Fund commenced operations
following an initial public offering on August 16, 1994, pursuant to which the Fund issued an aggregate of 22,500,000 Common Shares of
beneficial interest, no par value. The Fund&#8217;s principal office is located at 200 Berkeley Street, Boston, Massachusetts 02116
and its phone number is 800-225-6020.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The following provides information about the Fund&#8217;s
outstanding securities as of April 30, 2021.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt; vertical-align: bottom; width: 52%; text-indent: 0; text-align: left">
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><U>Title of Class</U></B></P></TD>
    <TD STYLE="vertical-align: bottom; text-align: center; padding: 3pt; width: 16%">
    <P STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0">&nbsp;</P>
    <P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><B>&#9;Amount</B></P>
    <P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><B><U>&#9;Authorized&#9;</U></B></P></TD>
    <TD STYLE="vertical-align: bottom; text-align: center; padding: 3pt; width: 18%">
    <P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><B>&#9;Amount Held by</B></P>
    <P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><B>&#9;the Fund or for</B></P>
    <P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><B><U>&#9;its Account&#9;</U></B></P></TD>
    <TD STYLE="vertical-align: bottom; text-align: center; padding: 3pt; width: 16%">
    <P STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0">&nbsp;</P>
    <P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><B>&#9;Amount</B></P>
    <P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><B><U>&#9;Outstanding&#9;</U></B></P></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 3pt; font: 12pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Common Shares, no par value</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Unlimited</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">18,789,888 </FONT></TD></TR>
  </TABLE>



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<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt; text-align: center"><A NAME="tocpro_006"></A>Use of Proceeds</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Subject to the remainder of this section, and unless
otherwise specified in a Prospectus Supplement, the Fund currently intends to invest substantially all of the net proceeds of any sales
of Common Shares pursuant to this Prospectus in accordance with its investment objective and policies as described under &#8220;Investment
Objective&#8221; and &#8220;Investment Strategies&#8221; within three months of receipt of such proceeds. Such investments may be delayed
up to three months if suitable investments are unavailable at the time or for other reasons, such as market volatility and lack of liquidity
in the markets of suitable investments. Pending such investment, the Fund anticipates that it will invest the proceeds in short-term money
market instruments, securities with remaining maturities of less than one year, cash or cash equivalents. A delay in the anticipated use
of proceeds could lower returns and reduce the Fund&#8217;s distribution to Common Shareholders or result in a distribution consisting
principally of a return of capital.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt; text-align: center"><A NAME="tocpro_007"></A>Investment Objective</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund&#8217;s primary investment objective is to
provide a high level of total return consisting of long-term capital appreciation and current income. There can be no assurance that the
Fund will achieve its investment objective. The Fund&#8217;s investment objective is not a fundamental policy and may be changed without
the approval of a majority of the outstanding voting securities (as defined in the 1940 Act) of the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt; text-align: center"><A NAME="tocpro_008"></A>Investment Strategies</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Under normal circumstances, the Fund will invest at
least 80% of its net assets in equity securities of U.S. and foreign financial services companies of any size. These companies may include,
but are not limited to, banks, thrifts, finance and financial technology companies, brokerage and advisory firms, real estate-related
firms, insurance companies and financial holding companies. The equity securities in which the Fund may invest are common stocks, preferred
stocks, warrants, stock purchase rights, securities convertible into other equity securities. &#8220;Net assets&#8221; is defined as net
assets plus any borrowings for investment purposes. The Fund will notify shareholders at least 60 days prior to any change in this 80%
policy.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may invest up to 20% of its total assets in
common and preferred equity securities and other preferred securities of foreign banking, lending and financial services companies, including
securities quoted in foreign currencies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In selecting the Fund's portfolio securities, the Adviser
intends to select securities of issuers that it believes are likely to benefit from the foregoing industry trends and developments as
well to employ fundamental investment analysis. In general, the Adviser will emphasize those securities which appear undervalued by the
marketplace as indicated by, among other factors: (1) the value and quality of the underlying assets of the financial services companies;
and (2) the value of a financial services company relative to its earnings potential and to market valuations of comparable companies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Adviser may select securities of issuers that are
small from a national perspective but have a significant share of their local market. In the opinion of the Adviser, such financial services
companies frequently have a stable core base of assets or deposits, which may provide a greater level of earnings predictability, and
provide financial services to the immediate geographic area. The Adviser believes that careful assessment of a financial service company&#8217;s
asset quality is critical in determining the institution's value. In the Adviser's view, a high-quality asset base may lead to more predictable
and potentially higher earnings. The Adviser intends to focus its investment analysis on delinquency trends, reserve levels and investment
and loan portfolio compositions, among other things, in assessing asset quality.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Other factors that the Adviser will consider when determining
which securities are undervalued are the historical and projected relationship of financial services company securities to the overall
securities markets, using such valuation measures as price to earnings ratios, price to tangible book value ratios and current yields.
In addition, the Adviser will focus upon, among other factors, each institution's capital position and competitive posture in the markets
it serves, the amount of stock owned by insiders and regulatory developments. In addition to such factors, the Adviser also considers
the nature and stability of an issuer's asset or deposit base, its market share, the economy of the region in which it is located, the
quality of management and management's commitment to enhancing shareholder value.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">At any given time the Adviser may focus upon investments
in a number of geographic regions, the Adviser anticipates that the portfolio typically will represent a geographically diverse group
of financial services companies. However, to the extent that the Fund's portfolio from time to time is focused in a particular geographic
region, the Fund will be more susceptible to the risks associated with changes in economic and other conditions in such region. The Adviser
anticipates that its value based analysis and emphasis upon small and medium size financial services companies will result in a diversified
portfolio which typically would be composed of equity securities of 75 to 150 issuers.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Under normal market conditions, the Fund may invest
up to 20% of its net assets in the common and preferred equity securities and other preferred securities of non-financial services companies.
The Fund may also invest in debt securities, and will invest in debt securities that are rated, at the time of purchase, BB or below by
Standard &amp; Poor's Ratings Group (&quot;Standard &amp; Poor's&quot;) or Ba or below by Moody's Investors Service, Inc. (&quot;Moody's&quot;),
or if unrated by such rating organizations, determined by the Adviser (as defined below) to be of comparable quality. The Fund will not
purchase debt securities rated below C or which are in default at the time of purchase. Debt securities rated BB or Ba or below (or comparable
unrated securities) are commonly referred to as &quot;junk bonds&quot; and are considered by Moody's and Standard &amp; Poor&#8217;s to
be predominantly speculative with respect to the issuer's capacity to pay interest and repay principal in accordance with the terms of
the obligations and involve major risk exposure to adverse business financial or economic conditions. In some cases, such obligations
may be highly speculative and have extremely poor prospects for reaching investment grade standing and may be in default. As a result,
investment in such obligations will entail greater speculative risks than those associated with investment in investment grade obligations
(i.e., obligations rated AAA, AA, A or BBB by Standard &amp; Poor's or Aaa, Aa, A or Baa by Moody's). The descriptions of the investment
grade rating categories by Moody&#8217;s and S&amp;P, including a description of their speculative characteristics, are set forth in the
SAI. With respect to the Fund&#8217;s investments in fixed-income or debt securities, the Fund may invest in higher quality instruments
for temporary or defensive purposes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The fund may enter into interest-rate swaps for the
purposes of reducing risk, obtaining efficient market exposure, and/or enhancing investment returns.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>PORTFOLIO INVESTMENTS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Common Stocks </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Common stocks are shares of a corporation or other
entity that entitle the holder to a <I>pro rata </I>share of the profits, if any, of the corporation without preference over any other
shareholder or class of shareholders, including holders of such entity&#8217;s preferred securities and other senior equity securities.
Common stock usually carries with it the right to vote and frequently an exclusive right to do so. In selecting common stocks for investment,
the Fund expects generally to focus more on the security&#8217;s dividend paying capacity than on its potential for capital appreciation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Preferred Stocks</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Preferred stock generally has a preference as to dividends
and, upon liquidation, over an issuer's common stock but ranks junior to debt securities in an issuer's capital structure. Preferred stock
generally pays dividends in cash (or additional shares of preferred stock) at a defined rate but, unlike interest payments on debt securities,
preferred stock dividends are payable only if declared by the issuer's board of directors. Dividends on preferred stock may be cumulative,
meaning that, in the event the issuer fails to make one or more dividend payments on the preferred stock, no dividends may be paid on
the issuer's common stock until all unpaid preferred stock dividends have been paid. Preferred stock also may be subject to optional or
mandatory redemption provisions. The Fund will not purchase preferred stock rated below C.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Convertible Securities</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may invest in convertible securities, which
are bonds, debentures, notes, preferred stock or other securities that may be converted into or exchanged for a specified amount of equity
securities of the same or a different issuer within a particular period of time at a specified price or formula. A convertible security
entitles the holder to receive interest generally paid or accrued on debt or the dividend paid on preferred stock until the convertible
security matures or is redeemed, converted or exchanged. Convertible securities have unique investment characteristics in that they generally:
(i) have higher yields than common stocks, but lower yields than comparable non-convertible securities; (ii) are less subject to fluctuation
in value than the underlying stock because they have fixed income characteristics;</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">and (iii) provide the potential for capital appreciation
if the market price of the underlying common stock increases.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The value of a convertible security is a function
of its &quot;investment value&quot; (determined by its yield in comparison with the yields of other securities of comparable
maturity and quality that do not have a conversion privilege) and its &quot;conversion value&quot; (the security's worth, at market
value, if converted into the underlying common stock). The investment value of a convertible security is influenced by changes in
interest rates, with investment value declining as interest rates increase and increasing as interest rates decline. The credit
standing of the issuer and other factors also may have an effect on the convertible security's investment value. The conversion
value of a convertible security is determined by the market price of the underlying common stock. If the conversion value is low
relative to the investment value, the price of the convertible security is governed principally by its investment value. Generally,
the conversion value decreases as the convertible security approaches maturity. To the extent the market price of the underlying
common stock approaches or exceeds the conversion price, the price of the convertible security will be increasingly influenced by
its conversion value. A convertible security generally will sell at a premium over its conversion value by the extent to which
investors place value on the right to acquire the underlying common stock while holding a fixed income security.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">A convertible security might be subject to redemption
at the option of the issuer at a price established in the convertible security's governing instrument. If a convertible security held
by the Fund is called for redemption, the Fund will be required to permit the issuer to redeem the security, convert it into the underlying
common stock or sell it to a third party. Any of these actions could have an adverse effect on the Fund's ability to achieve its investment
objective. In evaluating a convertible security, the Adviser will give primary emphasis to the attractiveness of the underlying equity
security. The Fund will not purchase convertible securities rated below C or which are in default at the time of purchase.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Private Placements </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may invest in securities that are sold in
private placement transactions between their issuers and their purchasers and that are neither listed on an exchange nor traded in the
over-the-counter secondary market. However, the Fund will not invest more than 25% of its total assets in privately placed securities.
In many cases, privately placed securities will be subject to contractual or legal restrictions on transfer. As a result of the absence
of a public trading market, privately placed securities may in turn be less liquid and more difficult to value than publicly traded securities.
Although privately placed securities may be resold in privately negotiated transactions, the prices realized from the sales could, due
to illiquidity, be less than if such securities were more widely traded. In addition, issuers whose securities are not publicly traded
may not be subject to the disclosure and other investor protection requirements that may be applicable if their securities were publicly
traded.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Debt Securities</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may invest in U.S. and foreign debt securities
including, but not limited to, bonds, notes, bills and debentures. Capital appreciation in debt securities in which the Fund invests may
arise as a result of favorable changes in relative interest rate levels and/or in the creditworthiness of issuers. The Fund may also earn
income on such debt securities. There is no requirement with respect to the maturity or duration of debt securities in which the Fund
may invest. Debt securities in which the Fund may invest are subject to the risk of an issuer's inability to meet principal and interest
payments on the obligations (credit risk) and may also be subject to price volatility due to such factors as interest rate sensitivity,
market perception of the creditworthiness of the issuer and general market liquidity (market risk). Particular debt securities will be
selected based upon credit risk analysis of potential issuers, the characteristics of the security and interest rate sensitivity of the
various debt issues available with respect to a particular issuer and analysis of the anticipated volatility and liquidity of the particular
debt instruments. Except for temporary or defensive investments, the Fund will invest only in debt securities rated BB or below by Standard
&amp; Poor's or Ba or below by Moody's or, if unrated by such rating organizations, of comparable quality as determined by the Adviser.
For a description of such lower-rated and unrated debt securities, see &quot;Risk Factors &#8211; Strategy Risks &#8211; Lower-Rated and
High-Yield Fixed Income Securities Risk.&quot;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Warrants and Stock Purchase Rights</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Warrants and stock purchase rights are securities permitting,
but not obligating, their holder to subscribe for other securities on, or on or before, a fixed date in the future at a predetermined
price. Generally, warrants and stock purchase rights do not carry with them the right to dividends or voting rights with respect to the
securities that they entitle their</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">holder to purchase, and they do not represent any rights
in the assets of the issuer. As a result, an investment in warrants and stock purchases rights may be considered to entail greater investment
risk than certain other types of investments. In addition, the value of warrants and stock purchase rights do not necessarily change with
the value of the underlying securities, and they cease to have value if they are not exercised on or prior to their expiration date. Investment
in warrants and stock purchase rights increases the potential profit or loss to be realized from the investment of a given amount of the
Fund's assets as compared with an investment of the same amount in the stock which underlies such warrants or stock purchase rights.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Illiquid Securities</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may invest without limit in illiquid securities
(<I>i.e.</I>, securities that are not readily marketable). For this purpose, &#8220;illiquid securities&#8221; may include certain securities
that are not registered (&#8220;restricted securities&#8221;) under the Securities Act of 1933, as amended (the &#8220;1933 Act&#8221;),
including commercial paper issued in reliance on Section 4(a)(2) of the 1933 Act and securities offered and sold to &#8220;qualified institutional
buyers&#8221; under Rule 144A under the 1933 Act. The Board of Trustees (the &#8220;Board&#8221;) has adopted guidelines and delegated
to the Advisor the daily function of determining the monitoring and liquidity of restricted securities. The Board will, however, retain
sufficient oversight and be ultimately responsible for these determinations. The Board will carefully monitor the Fund&#8217;s investments
in these securities, focusing on such important factors, among others, as valuation, liquidity and availability of information. This investment
practice could have the effect of increasing the level of illiquidity in the Fund if qualified institutional buyers become for a time
uninterested in purchasing these restricted securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Repurchase agreements maturing in more than seven days
are considered illiquid, unless an agreement can be terminated after a notice period of seven days or less.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">As long as the SEC maintains the position that most
swap contracts, caps, floors, and collars are illiquid, the Fund will continue to designate these instruments as illiquid unless the instrument
includes a termination clause or has been determined to be liquid based on a case-by-case analysis pursuant to procedures approved by
the Board.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Repurchase Agreements</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may engage in repurchase agreements with broker-dealers,
banks and other financial institutions. A repurchase agreement is a contract pursuant to which the Fund, against receipt of securities
of at least equal value, agrees to advance a specified sum to the financial institution which in turn agrees to reacquire the securities
at a mutually agreed upon time and price. Repurchase agreements, which are usually for periods of one week or less, enable the Fund to
invest its cash reserves at fixed rates of return. The Fund may enter into repurchase agreements, provided that the Fund's custodian always
has possession of securities serving as collateral whose market value at least equals the amount of the repurchase obligation. To minimize
the risk of loss, the Fund will enter into repurchase agreements only with financial institutions considered by the Adviser to be creditworthy
under guidelines adopted by the Board of Trustees. If an institution enters an insolvency proceeding, the resulting delay in liquidation
of the securities serving as collateral could cause the Fund some loss, as well as legal expense, should the value of the securities decline
prior to liquidation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Temporary Investments</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may invest its assets in cash and temporary
investments (as defined below) for cash management purposes, pending investment in accordance with the Fund's investment objective and
polices, to pay distributions to shareholders and to meet its operating expenses and obligations under any tender offer or share repurchases.
In addition, as described below, the Fund may take a temporary defensive posture and invest without limitation in Temporary Investments.
To the extent that the Fund invests in Temporary Investments, it may not achieve its investment objective. Temporary Investments are debt
securities including: (i) short-term (less than 12 months to maturity) and medium-term (not greater than five to seven years to maturity)
obligations issued or guaranteed by the U.S. Government or its agencies or instrumentalities; (ii) finance company obligations, corporate
commercial paper and other short-term commercial obligations, in each case rated, or issued by companies with similar securities outstanding
that are rated, Prime-1 or A or better by Moody's or A-1 or A or better by S&amp;P or, if unrated, of comparable quality as determined
by the Adviser, (iii) obligations (including certificates of deposit, time deposits, demand deposits and bankers' acceptances) of banks
and (iv) repurchase agreement with respect to securities in which the Fund may invest.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>TEMPORARY DEFENSIVE STRATEGIES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">There may be times when, in the Subadvisor&#8217;s
judgment, conditions in the securities markets would make pursuit of the Fund&#8217;s investment strategy inconsistent with achievement
of the Fund&#8217;s investment objective. At such times, the Subadvisor may employ alternative strategies primarily to seek to reduce
fluctuations in the value of the Fund&#8217;s assets. In implementing these temporary defensive strategies, depending on the circumstances,
the Fund may invest an unlimited portion of its portfolio in short-term money market instruments, securities with remaining maturities
of less than one year, cash or cash equivalents. It is impossible to predict when, or for how long, the Fund may use these alternative
strategies.</P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>ADDITIONAL PORTFOLIO INVESTMENTS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>When-Issued and Delayed Delivery Purchases</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may make contracts to purchase securities
on a &quot;when-issued&quot; or &quot;delayed delivery&quot; basis. Pursuant to such contracts, delivery and payment for the securities
occurs at a date later than the customary settlement date. The payment obligation and the interest rate on the securities will be fixed
at the time the Fund enters into the commitment, but interest will not accrue to the Fund until delivery of and payment for the securities.
An amount of cash or liquid, high grade debt securities equal to the amount of the Fund's commitment will be deposited in a segregated
account at the Fund's custodian to secure the Fund's obligation. Although the Fund would generally purchase securities on a when-issued
or delayed delivery basis with the intention of actually acquiring the securities for its portfolio (or for delivery pursuant to options
or futures contracts it has entered into) and not for leverage purposes, the Fund could dispose of a security prior to settlement if the
Adviser deemed it advisable. The purchase of securities on a when-issued or delayed delivery basis involves a risk of loss if the value
of the security to be purchased declines prior to the settlement date. This risk is in addition to the risk of a decline in value of the
Fund's other assets. Furthermore, when such purchases are made through a dealer, the dealer's failure to consummate the sale may result
in the loss to the Fund of an advantageous yield or price.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Short Sales</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may from time to time sell securities short,
provided that the amount of such short sales does not exceed 5% of the Fund's total assets. The foregoing limitation does not apply to
&quot;short-sales against the box&quot; where at all times a short position is open the Fund owns an equal amount of such securities or
securities convertible or exchangeable into such securities without payment of additional consideration. A short sale is a transaction
in which the Fund would sell securities it does not own (but has borrowed) in anticipation of a decline in the market price of the securities.
When the Fund makes a short sale, the proceeds it receives from the sale will be held on behalf of a broker until the Fund replaces the
borrowed securities. To deliver the securities to the buyer, the Fund will need to arrange through a broker to borrow the securities and,
in so doing, the Fund will become obligated to replace the securities borrowed at their market price at the time of replacement, whatever
the price may be. The Fund may have to pay a premium to borrow the securities and must pay any dividends or interest payable on the securities
until they are replaced.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund's obligation to replace the securities borrowed
in connection with a short sale will be secured by collateral deposited with the broker that consists of cash or liquid, high grade debt
securities. In addition, the Fund will place in a segregated account with its custodian. or designated sub-custodian, an amount of cash,
or liquid, high grade debt securities equal to the difference, if any, between (1) the market value of the securities sold at the time
they were sold short and (2) any cash, or liquid, high grade debt securities deposited as collateral with the broker in connection with
the short sale (not including the proceeds of the short sale). Until it replaces the borrowed securities, the Fund will maintain the segregated
account daily at a level so that (1) the amount deposited in the account plus the amount deposited with the broker (not including the
proceeds from the short sale) will equal the current market value of the securities sold short and (2) the amount deposited in the account
plus the amount deposited with the broker (not including the proceeds from the short sale) will not be less than the market value of the
securities at the time they were sold short. Short sales by the Fund involve certain risks and special considerations. Possible losses
from short sales differ from losses that could be incurred from a purchase of a security, because losses from short sales may be unlimited,
whereas losses from purchases can equal only the total amount invested.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Options on Securities and Securities Indices</B></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may write and purchase call and put options
on securities and securities indices. The Fund typically will limit notional exposure of the options to 5% of the value of the Fund&#8217;s
portfolio securities, although this amount is expected to vary over time based upon U.S. equity market conditions and other factors. A
call option written by the Fund obligates the Fund to sell specified securities to the holder of the option at a specified price if the
option is exercised before the expiration date. All call options written by the Fund will be covered, which means that the Fund will own
the securities subject to the option so long as the option is outstanding. The purpose of writing covered call options is to realize greater
income than would be realized on portfolio securities transactions alone. However, in writing covered call options for additional income,
the Fund may forego the opportunity to profit from an increase in the market price of the underlying security. A put written by the Fund
would obligate the Fund to purchase specified securities from the option holder at a specified price if the option is exercised at any
time before the expiration date. All put options written by the Fund will be covered, which means that the Fund would have deposited with
its custodian cash or liquid, high grade debt securities with a value at least equal to the exercise price of the put option. The purpose
of writing such options is to generate additional income for the Fund. However, in return for the option premium, the Fund accepts the
risk that it may be required to purchase the underlying securities at a price in excess of the market value at the time of purchase. In
addition, a written call or put option may be covered by maintaining cash or liquid, high grade debt securities in a segregated account
or by entering into an offsetting forward contract and/or by purchasing an offsetting option which, by virtue of its exercise price or
otherwise, reduces the Fund's net exposure on its written position. The Fund may terminate its obligations under an exchange traded call
or put option written by the Fund by purchasing an option identical to the one it has written. Obligations under over-the-counter options
may be terminated only by entering into an offsetting transaction with the counter party to such option. Such purchases are referred to
as &quot;closing purchase transactions.&quot;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may also write (sell) covered call and put
options on any securities index composed of securities in which it may invest. Options on securities indices are similar to options on
securities, except that the exercise of securities index options requires cash payments and does not involve the actual purchase or sale
of securities. In addition, securities index options are designed to reflect price fluctuations in a group of securities or segment of
the securities market rather than price fluctuations in a single security. The Fund may cover call options on a securities index by owning
securities whose price changes are expected to be similar to those of the underlying index, or by having an absolute and immediate right
to acquire such securities without additional cash consideration (or for additional cash consideration held in a segregated account by
its custodian) upon conversion or exchange of other securities in its portfolio. The Fund may cover call and put options on a securities
index by maintaining cash or liquid, high grade debt securities with a value equal to the exercise price in a segregated account with
its custodian.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may purchase put and call options on any securities
in which it may invest or options on any securities index based on securities in which it may invest. The Fund will purchase such options
on securities that are listed on securities exchanges or traded in the over-the-counter market. The Fund would also be able to enter into
closing sale transactions in order to realize gains or minimize losses on options it has purchased. The Fund would normally purchase call
options in anticipation of an increase in the market value of securities of the type in which it may invest. The purchase of a call option
would entitle the Fund, in return for the premium paid, to purchase specified securities at a specified price at any time during the option
period. The Fund would ordinarily realize a gain if, during the option period, the value of such securities exceeded the sum of the exercise
price, the premium paid and transaction costs. Otherwise, the Fund would realize either no gain or a loss on the purchase of the call
option. The Fund would normally purchase put options in anticipation of a decline in the market value of securities in its portfolio (&quot;protective
puts&quot;) or in securities in which it may invest. The purchase of a put option would entitle the Fund, in exchange for the premium
paid, to sell specified securities at a specified price during the option period. The purchase of protective puts is designed to offset
or hedge against a decline in the market value of the Fund's securities. Put options may also be purchased by the Fund for the purpose
of affirmatively benefiting from a decline in the price of securities which it does not own. The Fund would ordinarily realize a gain
if, during the option period, the value of the underlying securities decreased below the exercise price sufficiently to more than cover
the premium and transaction costs. Otherwise, the Fund would realize either no gain or a loss on the purchase of the put option. Gains
and losses on the purchase of protective put options would tend to be offset by countervailing changes in the value of underlying portfolio
securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>OTHER INVESTMENT POLICIES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Borrowing</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may use leverage to the extent permitted by
the 1940 Act, this Prospectus, and the LA. The Fund is</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">authorized to utilize leverage through borrowings,
reinvestment of securities lending collateral or reverse repurchase agreement proceeds, and/or the issuance of preferred shares, including
the issuance of debt securities. The Fund is party to the LA as described in &#8220;&#8212;Description of Capital Structure&#8212;Liquidity
Facility.&#8221; Borrowings, together with the issuance of preferred shares, or other &#8220;senior securities&#8221; as that term is
defined in the 1940 Act, may not be in an aggregate amount that would, immediately after giving effect to the drawdown, exceed 33<SUP>1/3</SUP>%
of the Fund&#8217;s total assets (including any assets attributable to financial leverage from senior securities) minus the sum of accrued
liabilities (other than liabilities from senior securities).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Portfolio turnover</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2.4pt 0">In general, the Fund intends to purchase and hold securities for long-term
capital appreciation and not to trade in securities for short-term gain. The Fund's portfolio turnover rate is calculated by dividing
the lesser of sales or purchases of portfolio securities by the average monthly value of the Fund's portfolio securities. For purposes
of this calculation, portfolio securities exclude securities having a maturity when purchased of one year or less. Notwithstanding the
foregoing, the Adviser may, from time to time, make short-term investments when it believes such investments are in the best interest
of the Fund. The portfolio turnover rate for the Fund for the fiscal years ended December 31, 2020 and December 31, 2019 was 10% and 13%,
respectively.</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Securities loans</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund is party to the LA as described in &#8220;&#8212;Description
of Capital Structure&#8212;Liquidity Facility.&#8221; The Fund may seek to obtain additional income or portfolio leverage by making secured
loans of its portfolio securities with a value of up to 33<SUP>1/3</SUP>% of total assets. In such transactions, the borrower pays to
the Fund an amount equal to any dividends or interest received on loaned securities. The Fund retains all or a portion of the dividends,
interest, capital gains, and/or other distributions received on investment of cash collateral in short-term obligations of the U.S. government,
cash equivalents (including shares of a fund managed by the Fund&#8217;s investment adviser or an affiliate thereof), or other investments
consistent with the Fund&#8217;s investment objective, policies, and restrictions, or receives a fee from the borrower. If the Fund receives
a fee in lieu of dividends with respect to securities on loan pursuant to a securities lending transaction, such income will not be eligible
for the dividends-received deduction for corporate shareholders. As a result of investing such cash collateral in such investments, the
Fund will receive the benefit of any gains and bear any losses generated by such investments. All securities loans will be made pursuant
to agreements requiring that the loans be continuously secured by collateral in cash or short-term debt obligations at least equal at
all times to the market value of the loaned securities. The Fund may pay reasonable finders&#8217;, administrative and custodial fees
in connection with loans of its portfolio securities. Although voting rights or rights to consent accompanying loaned securities pass
to the borrower, the Fund retains the right to call the loans at any time on reasonable notice, and it will do so in order that the securities
may be voted by the Fund with respect to matters materially affecting the Fund&#8217;s investment. The Fund may also call a loan in order
to sell the securities involved. Lending portfolio securities involves risks of delay in recovery of the loaned securities or, in some
cases, loss of rights in the collateral should the borrower commence an action relating to bankruptcy, insolvency or reorganization. The
use of securities lending collateral to obtain leverage in the Fund&#8217;s investment portfolio may subject the Fund to greater risk
of loss than the use of traditional securities lending to earn incremental income via investing collateral solely in short-term U.S. government
securities or cash equivalents.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Foreign currency transactions</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The value of non-U.S. assets as measured in U.S. dollars
may be affected favorably or unfavorably by changes in foreign currency rates and exchange control regulations. Currency exchange rates
also can be affected unpredictably by intervention by U.S. or foreign governments or central banks, or the failure to intervene, or by
currency controls or political developments in the U.S. or abroad. The Fund may (but is not required to) engage in transactions to hedge
against changes in foreign currencies, and will use such hedging techniques when the Advisor or the Subadvisor deems appropriate. Foreign
currency exchange transactions may be conducted on a spot (<I>i.e.</I>, cash) basis at the spot rate prevailing in the foreign currency
exchange market or through entering into derivative currency transactions. Currency futures contracts are exchange-traded and change in
value to reflect movements of a currency or a basket of currencies. Settlement must be made in a designated currency.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Forward foreign currency exchange contracts are individually
negotiated and privately traded so they are dependent upon the creditworthiness of the counterparty. Such contracts may be used when a
security denominated in a foreign</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">currency is purchased or sold, or when the receipt
in a foreign currency of dividend or interest payments on such a security is anticipated. A forward contract can then &#8220;lock in&#8221;
the U.S. dollar price of the security or the U.S. dollar equivalent of such dividend or interest payment, as the case may be.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Additionally, when the Advisor or the Subadvisor believes
that the currency of a particular foreign country may suffer a substantial decline against the U.S. dollar, it may enter into a forward
contract to sell, for a fixed amount of dollars, the amount of foreign currency approximating the value of some or all of the securities
held that are denominated in such foreign currency. The precise matching of the forward contract amounts and the value of the securities
involved generally will not be possible. In addition, it may not be possible to hedge against long-term currency changes. Cross-hedging
may be performed by using forward contracts in one currency (or basket of currencies) to hedge against fluctuations in the value of securities
denominated in a different currency if the Advisor or the Subadvisor determines that there is an established historical pattern of correlation
between the two currencies (or the basket of currencies and the underlying currency). Use of a different foreign currency magnifies exposure
to foreign currency exchange rate fluctuations. Forward contracts also may be used to shift exposure to foreign currency exchange rate
changes from one currency to another. Short-term hedging provides a means of fixing the dollar value of only a portion of portfolio assets.
Income or gain earned on any of the Fund&#8217;s foreign currency transactions generally will be treated as fully taxable income (<I>i.e.</I>,
income other than tax-advantaged dividends).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Currency transactions are subject to the risk of a
number of complex political and economic factors applicable to the countries issuing the underlying currencies. Furthermore, unlike trading
in most other types of instruments, there is no systematic reporting of last sale information with respect to the foreign currencies underlying
the derivative currency transactions. As a result, available information may not be complete. In an over-the-counter trading environment,
there are no daily price fluctuation limits. There may be no liquid secondary market to close out options purchased or written, or forward
contracts entered into, until their exercise, expiration or maturity. There also is the risk of default by, or the bankruptcy of, the
financial institution serving as counterparty.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>USE OF LEVERAGE BY THE FUND</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may use leverage to the extent permitted by
the 1940 Act, this Prospectus, and the LA. The Fund is authorized to utilize leverage through borrowings, reinvestment of securities lending
collateral or reverse repurchase agreement proceeds, and/or the issuance of preferred shares, including the issuance of debt securities.
See &#8220;&#8212;Other Investment Policies&#8212;Borrowing.&#8221; The Fund is party to the LA as described in &#8220;&#8212;Description
of Capital Structure&#8212;Liquidity Facility.&#8221;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund&#8217;s leverage strategy may not be successful.
By leveraging its investment portfolio, the Fund creates an opportunity for increased net income or capital appreciation. However, the
use of leverage also involves risks, which can be significant. These risks include the possibility that the value of the assets acquired
with such borrowing decreases although the Fund&#8217;s liability is fixed, greater volatility in the Fund&#8217;s NAV and the market
price of the Fund&#8217;s Common Shares and higher expenses. Because the Advisor&#8217;s fee is based upon a percentage of the Fund&#8217;s
managed assets, the Advisor&#8217;s fee will be higher if the Fund is leveraged and the Advisor will have an incentive to leverage the
Fund. The Advisor intends only to leverage the Fund when it believes that the potential return on the additional investments acquired
through the use of leverage is likely to exceed the costs incurred in connection with the offering.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">At December 31, 2020, the Fund had borrowings under
the LA of $125,000,000. The average daily loan balance, weighted average interest rate and maximum daily loan outstanding for the year
ended December 31, 2020, were as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;Average Daily Loan Balance&#9;</U></B></FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;Weighted Average Interest Rate%&#9;</U></B></FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;Maximum Daily Loan Outstanding</U></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9;$125,000,000</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1.14%</FONT></TD>
    <TD STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$150,000,000</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund&#8217;s borrowings under the LA as of December
31, 2020, equaled approximately 18.92% of the Fund&#8217;s total assets (including the proceeds of such leverage). The Fund&#8217;s asset
coverage ratio as of December 31, 2020 was 528.61%. See &#8220;&#8212;Other Investment Policies&#8212;Borrowing&#8221; for a brief description
of the Fund&#8217;s liquid facility agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Assuming the utilization of leverage in the amount
of 18.92% of the Fund&#8217;s total assets and an annual interest rate of 0.74% payable on such leverage based on market rates as of December
31, 2020, the additional income that the Fund must earn (net of expenses) in order to cover such leverage is approximately $925,000. Actual
costs of leverage may</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">be higher or lower than that assumed in the previous
example. Under normal market conditions, interest charged under the LA is at the rate of one-month LIBOR plus 0.60%.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Following an offering of additional Common Shares from
time to time, the Fund may increase the amount of leverage outstanding. The Fund may engage in additional borrowings, securities lending,
and reverse repurchase agreements in order to maintain the Fund&#8217;s desired leverage ratio. Leverage creates a greater risk of loss,
as well as a potential for more gain, for the Common Shares than if leverage was not used. Interest on borrowings may be at a fixed or
floating rate and generally will be based on short-term rates. The costs associated with the Fund&#8217;s use of leverage, including the
issuance of such leverage and the payment of dividends or interest on such leverage, will be borne entirely by the Common Shareholders.
As long as the rate of return, net of applicable Fund expenses, on the Fund&#8217;s investment portfolio investments purchased with leverage
exceeds the costs associated with such leverage, the Fund will generate more return or income than will be needed to pay such costs. In
this event, the excess will be available to pay higher dividends to Common Shareholders. Conversely, if the Fund&#8217;s return on such
assets is less than the cost of leverage and other Fund expenses, the return to the Common Shareholders will diminish. To the extent that
the Fund uses leverage, the NAV and market price of the Common Shares and the yield to Common Shareholders will be more volatile. The
Fund&#8217;s leveraging strategy may not be successful. See &#8220;Risk Factors&#8212;Leverage Risk.&#8221;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The following table is designed to illustrate the effect
on the return to a holder of the Fund&#8217;s Common Shares of leverage in the amount of approximately 18.92% of the Fund&#8217;s total
assets, assuming hypothetical annual returns of the Fund&#8217;s investment portfolio of minus 10% to plus 10%. As the table shows, leverage
generally increases the return to Common Shareholders when portfolio return is positive and greater than the cost of leverage and decreases
the return when the portfolio return is negative or less than the cost of leverage. The figures appearing in the table are hypothetical.
Actual returns may be greater or less than those appearing in the table.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt; width: 50%; font: 12pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>Assumed Portfolio Return</U></B></FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; width: 10%; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;(10.00)%&#9;</U></B></FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; width: 10%; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;(5.00)%&#9;</U></B></FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; width: 10%; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;0.00%</U></B></FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; width: 10%; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;5.00%&#9;</U></B></FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; width: 10%; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;10.00%&#9;</U></B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 3pt; font: 12pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Corresponding Common Shares Total Return</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">-13.31%</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">-6.72%</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">-0.14%</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6.45%</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">13.04%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 3pt; text-align: center"><A NAME="tocpro_009"></A>Risk Factors</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; color: #231F20">The principal risks
of investing in the Fund are summarized in the Prospectus Summary above. Below are descriptions of the principal factors that may play
a role in shaping the Fund&#8217;s overall risk profile. The descriptions appear in alphabetical order by general risks, equity strategy
risks, and options strategy risks, not in order of importance. For further details about the Fund&#8217;s risks, including additional
risk factors that are not discussed in this Prospectus because they are considered non-principal risk factors, see the Fund&#8217;s SAI.</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 8.15pt 0 6pt; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><I>General Risks</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>ANTI-TAKEOVER PROVISIONS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund&#8217;s Declaration of Trust includes provisions
that could limit the ability of other persons or entities to acquire control of the Fund or to change the composition of its Board. These
provisions may deprive shareholders of opportunities to sell their Common Shares at a premium over the then current market price of the
Common Shares. See &#8220;Certain Provisions in the Declaration of Trust and By-Laws&#8212;Anti-takeover provisions.&#8221;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>BANKING INDUSTRY RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><FONT STYLE="background-color: white">Commercial banks,
savings and loan associations, and holding companies of the foregoing are especially subject to adverse effects of&nbsp;volatile interest
rates, concentrations of loans in particular industries, and significant competition. Profitability of these businesses depends significantly
upon the&nbsp;availability and cost of capital funds. Commercial banks and savings associations are subject to extensive federal and state
regulation. </FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>CHANGES IN U.S. LAW</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Changes in the state and U.S. federal laws applicable
to the Fund, including changes to state and U.S. federal tax laws, or applicable to the Advisor, the Subadvisor and other securities or
instruments in which the Fund may invest, may negatively affect the Fund&#8217;s returns to Common Shareholders. The Fund may need to
modify its investment strategy in the future in order to satisfy new regulatory requirements or to compete in a changed business environment.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="text-transform: uppercase"><B>Cybersecurity and operational
risk</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Intentional cybersecurity breaches include unauthorized access to systems,
networks, or devices (such as through &#8220;hacking&#8221; activity); infection from computer viruses or other malicious software code;
and attacks that shut down, disable, slow, or otherwise disrupt operations, business processes, or website access or functionality. In
addition, unintentional incidents can occur, such as the inadvertent release of confidential information (possibly resulting in the violation
of applicable privacy laws).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">A cybersecurity breach could result in the loss or
theft of customer data or funds, the inability to access electronic systems (&#8220;denial of services&#8221;), loss or theft of proprietary
information or corporate data, physical damage to a computer or network system, or costs associated with system repairs. Such incidents
could cause the Fund, the advisor, a manager, or other service providers to incur regulatory penalties, reputational damage, additional
compliance costs, or financial loss. In addition, such incidents could affect issuers in which the Fund invests, and thereby cause the
fund&#8217;s investments to lose value.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Cyber-events have the potential to affect materially
the Fund and the Advisor&#8217;s relationships with accounts, shareholders, clients, customers, employees, products, and service providers.
The Fund has established risk management systems reasonably designed to seek to reduce the risks associated with cyber-events. There is
no guarantee that the Fund will be able to prevent or mitigate the impact of any or all cyber-events.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund is exposed to operational risk arising from
a number of factors, including, but not limited to, human error, processing and communication errors, errors of the Fund&#8217;s service
providers, counterparties, or other third parties, failed or inadequate processes and technology or system failures.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In addition, other disruptive events, including (but
not limited to) natural disasters and public health crises (such as the novel coronavirus (COVID-19) pandemic), may adversely affect the
Fund&#8217;s ability to conduct business, in particular if the Fund&#8217;s employees or the employees of its service providers are unable
or unwilling to perform their responsibilities as a result of any such event. Even if the Fund&#8217;s employees and the employees of
its service providers are able to work remotely, those remote work arrangements could result in the Fund&#8217;s business operations being
less efficient than under normal circumstances, could lead to delays in its processing of transactions, and could increase the risk of
cyber-events.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>DEFENSIVE POSITIONS RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">During periods of adverse market or economic conditions,
the Fund may temporarily invest all or a substantial portion of its total assets in short-term money market instruments, securities with
remaining maturities of less than one year, cash or cash equivalents. The Fund will not be pursuing its investment objective in these
circumstances and could miss favorable market developments.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>DISTRIBUTION RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">There can be no assurance that quarterly distributions
paid by the Fund to shareholders will be maintained at current levels or increase over time. The quarterly distributions shareholders
receive from the Fund are derived from the Fund&#8217;s dividends and interest income after payment of Fund expenses, net option premiums
and net realized gain on equity securities investments. If stock market volatility and/or stock prices decline, the premiums available
from writing call options and writing put options on individual stocks likely will decrease as well. Payments to purchase put options
and to close written call and put options will reduce amounts available for distribution. Net realized gain on the Fund&#8217;s stock
investments will be determined primarily by the direction and movement of the stock market and the equity securities held. The Fund&#8217;s
cash available for distribution may vary widely over the short- and long-term. If, for any calendar year, the total distributions made
exceed the Fund&#8217;s net investment taxable income and net capital gain, the excess generally will be treated as a return of capital
to each Common Shareholder (up to the amount of the Common Shareholder&#8217;s basis in his or her Common Shares) and thereafter as gain
from the sale of Common Shares. The amount treated as a return of capital reduces the Common Shareholder&#8217;s adjusted basis in his
or her Common Shares, thereby increasing his or her potential gain or reducing his or her potential loss on the subsequent sale of his
or her Common Shares. Distributions in any year may include a substantial return of capital component. Dividends on common stocks are
not fixed but are declared at the discretion of the issuer&#8217;s board of directors.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>ECONOMIC AND MARKET EVENTS RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Events in certain sectors historically have resulted,
and may in the future result, in an unusually high degree of volatility in the financial markets, both domestic and foreign. These events
have included, but are not limited to: bankruptcies, corporate restructurings, and other similar events; governmental efforts to limit
short selling and high frequency trading; measures to address U.S. federal and state budget deficits; social, political and economic instability
in Europe; economic stimulus by the Japanese central bank; dramatic changes in energy prices and currency exchange rates; and China&#8217;s
economic slowdown. Interconnected global economies and financial markets increase the possibility that conditions in one country or region
might adversely impact issuers in a different country or region. Both domestic and foreign equity markets have experienced increased volatility
and turmoil, with issuers that have exposure to the real estate, mortgage, and credit markets particularly affected. Banks and financial
services companies could suffer losses if interest rates were to rise or economic conditions deteriorate.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In addition, relatively high market volatility and
reduced liquidity in credit and fixed-income markets may adversely affect many issuers worldwide. Actions taken by the U.S. Federal Reserve
(Fed) or foreign central banks to stimulate or stabilize economic growth, such as interventions in currency markets, could cause high
volatility in the equity and fixed-income markets. Reduced liquidity may result in less money being available to purchase raw materials,
goods, and services from emerging markets, which may, in turn, bring down the prices of these economic staples. It may also result in
emerging-market issuers having more difficulty obtaining financing, which may, in turn, cause a decline in their securities prices.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In addition, while interest rates have been unusually
low in recent years in the United States and abroad, any decision by the Fed to adjust the target fed funds rate, among other factors,
could cause markets to experience continuing high volatility. A significant increase in interest rates may cause a decline in the market
for equity securities. Also, regulators have expressed concern that rate increases may contribute to price volatility. These events and
the possible resulting market volatility may have an adverse effect on the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Political turmoil within the United States and abroad
may also impact the fund. Although the U.S. government has honored its credit obligations, it remains possible that the United States
could default on its obligations. While it is impossible to predict the consequences of such an unprecedented event, it is likely that
a default by the United States would be highly disruptive to the United States and global securities markets and could significantly impair
the value of the fund&#8217;s investments. Similarly, political events within the United States at times have resulted, and may in the
future result, in a shutdown of government services, which could negatively affect the U.S. economy, decrease the value of many fund investments,
and increase uncertainty in or impair the operation of the United States or other securities markets. The U.S. is also renegotiating many
of its global trade relationships and has imposed or threatened to impose significant import tariffs. These actions could lead to price
volatility and overall declines in U.S. and global investment markets.<BR>
<BR>
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Uncertainties surrounding the sovereign debt of a number
of EU countries and the viability of the EU have disrupted and may in the future disrupt markets in the United States and around the world.
If one or more countries leave the EU or the EU dissolves, the world&#8217;s securities markets likely will be significantly disrupted.
On January 31, 2020, the UK left the EU, commonly referred to as &#8220;Brexit,&#8221; and there commenced a transition period during
which the EU and UK will negotiate and agree on the nature of their future relationship. Negotiators representing the United Kingdom and
EU came to a preliminary trade agreement on December 24, 2020. The Trade Agreement was ratified by the UK Parliament and the European
Parliament and took effect on January 1, 2021. Many aspects of the United Kingdom-EU trade relationship remain subject to further negotiation.
There is significant market uncertainty regarding Brexit&#8217;s ramifications, and the range and potential implications of possible political,
regulatory, economic, and market outcomes are difficult to predict. This uncertainty may affect other countries in the EU and elsewhere,
and may cause volatility within the EU, triggering prolonged economic downturns in certain countries within the EU. In addition, Brexit
may create additional and substantial economic stresses for the UK, including a contraction of the UK economy and price volatility in
UK stocks, decreased trade, capital outflows, devaluation of the British pound, wider corporate bond spreads due to uncertainty and declines
in business and consumer spending as well as foreign direct investment. Brexit may also adversely affect UK-based financial firms that
have counterparties in the EU or participate in market infrastructure (trading venues, clearing houses, settlement facilities) based in
the EU. Additionally, the spread of the novel coronavirus (COVID-19) pandemic will stretch the resources and deficits of many countries
in the EU and throughout the world, increasing the risk of default on their sovereign debt. These events and the resulting market volatility
may have an adverse effect on the performance of the fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">A widespread health crisis such as a global pandemic
could cause substantial market volatility, exchange trading</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">suspensions and closures, impact the ability to complete
redemptions, and affect fund performance. For example, the novel coronavirus disease (COVID-19) has resulted in significant disruptions
to global business activity. The impact of a health crisis and other epidemics and pandemics that may arise in the future, could affect
the global economy in ways that cannot necessarily be foreseen at the present time. A health crisis may exacerbate other pre-existing
political, social and economic risks. Any such impact could adversely affect the fund&#8217;s performance, resulting in losses to your
investment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The United States has responded to the novel coronavirus
(COVID-19) pandemic and resulting economic distress with fiscal and monetary stimulus packages. In late March 2020, the government passed
the Coronavirus Aid, Relief, and Economic Security Act, a stimulus package providing for over $2.2 trillion in resources to small businesses,
state and local governments, and individuals that have been adversely impacted by the novel coronavirus (COVID-19) pandemic. In addition,
in mid-March 2020 the Fed cut interest rates to historically low levels and promised unlimited and open-ended quantitative easing, including
purchases of corporate and municipal government bonds. The Fed also enacted various programs to support liquidity operations and funding
in the financial markets, including expanding its reverse repurchase agreement operations, adding $1.5 trillion of liquidity to the banking
system, establishing swap lines with other major central banks to provide dollar funding, establishing a program to support money market
funds, easing various bank capital buffers, providing funding backstops for businesses to provide bridging loans for up to four years,
and providing funding to help credit flow in asset-backed securities markets. The Fed also plans to extend credit to small- and medium-sized
businesses.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Political and military events, including in North Korea,
Venezuela, Iran, Syria, and other areas of the Middle East, and nationalist unrest in Europe and South America, also may cause market
disruptions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In addition, there is a risk that the prices of goods
and services in the United States and many foreign economies may decline over time, known as deflation. Deflation may have an adverse
effect on stock prices and creditworthiness and may make defaults on debt more likely. If a country&#8217;s economy slips into a deflationary
pattern, it could last for a prolonged period and may be difficult to reverse.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>INDUSTRY OR SECTOR RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund generally invests a large percentage of its
assets in one or more particular industries or sectors of the economy. If a large percentage of the Fund's assets are economically tied
to a single or small number of industries or sectors of the economy, the Fund will be less diversified than a more broadly diversified
fund, and it may cause the Fund to underperform if that industry or sector underperforms. In addition, focusing on a particular industry
or sector may make the Fund&#8217;s NAV more volatile. Further, a Fund that invests in particular industries or sectors is particularly
susceptible to the impact of market, economic, regulatory and other factors affecting those industries or sectors. Financial services
companies can be hurt by economic declines, changes in interest rates, and regulatory and market impacts.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>INFLATION RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Inflation risk is the risk that the purchasing power
of assets or income from investments will be worth less in the future as inflation decreases the value of money. As inflation increases,
the real value of Common Shares and distributions thereon can decline.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>INTEREST RATE RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Interest rate risk is the risk that fixed-income securities
such as debt securities and preferred securities will decline in value because of changes in market interest rates. When market interest
rates rise, the market value of such securities generally will fall. The Fund&#8217;s investments in debt securities and preferred securities
means that the NAV and market price of the Common Shares will tend to decline if market interest rates rise. Given the historically low
level of interest rates in recent years and the likelihood that interest rates will increase when the national economy strengthens, the
risk of the potentially negative impact of rising interest rates on the value of the Fund&#8217;s portfolio may be significant. In addition,
the longer the average maturity of the Fund&#8217;s portfolio of debt securities, the greater the potential impact of rising interest
rates on the value of the Fund&#8217;s portfolio and the less flexibility the Fund may have to respond to the decreasing spread between
the yield on its portfolio securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">During periods of declining interest rates, an issuer
may exercise its option to prepay principal of debt securities or to redeem preferred securities earlier than scheduled, forcing the Fund
to reinvest in lower yielding securities. This is</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">known as call or prepayment risk. During periods of
rising interest rates, the average life of certain types of securities may be extended because of slower than expected principal payments.
This may lock in a below market interest rate, increase the security&#8217;s duration and reduce the value of the security. This is known
as extension risk. Recent and potential future changes in government monetary policy may affect the level of interest rates.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The fixed-income securities market has been and may
continue to be negatively affected by the novel coronavirus (COVID-19) pandemic. As with other serious economic disruptions, governmental
authorities and regulators are responding to this crisis with significant fiscal and monetary policy changes, including considerably lowering
interest rates, which, in some cases could result in negative interest rates. These actions, including their possible unexpected or sudden
reversal or potential ineffectiveness, could further increase volatility in securities and other financial markets and reduce market liquidity.
To the extent the fund has a bank deposit or holds a debt instrument with a negative interest rate to maturity, the fund would generate
a negative return on that investment. Similarly, negative rates on investments by money market funds and similar cash management products
could lead to losses on investments, including on investments of the fund&#8217;s uninvested cash.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>INVESTMENT AND MARKET RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">An investment in Common Shares is subject to investment
and market risk, including the possible loss of the entire principal amount invested. An investment in Common Shares represents an indirect
investment in the securities owned by the Fund, which generally are traded on a securities exchange or in the over-the-counter markets.
The value of these securities, like other market investments, may move up or down, sometimes rapidly and unpredictably. Common Shares
at any point in time may be worth less than the original investment, even after taking into account any reinvestment of dividends and
distributions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>LEVERAGE RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">By leveraging its investment portfolio, the Fund creates
an opportunity for increased net income or capital appreciation. However, the use of leverage also involves risks, which can be significant.
These risks include the possibility that the value of the assets acquired with such borrowing decreases although the Fund&#8217;s liability
is fixed, greater volatility in the Fund&#8217;s NAV and the market price of the Fund&#8217;s Common Shares and higher expenses. Since
the Advisor&#8217;s fee is based upon a percentage of the Fund&#8217;s managed assets, the Advisor&#8217;s fee will be higher if the Fund
is leveraged and the Advisor will have an incentive to leverage the Fund. The Board will monitor this potential conflict. The Advisor
intends to leverage the Fund only when it believes that the potential return on the additional investments acquired through the use of
leverage is likely to exceed the costs incurred in connection with the offering.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund is authorized to utilize leverage through
borrowings, reinvestment of securities lending collateral or reverse repurchase agreement proceeds, and/or the issuance of preferred shares,
including the issuance of debt securities. The Fund is party to the LA as described in &#8220;&#8212;Description of Capital Structure&#8212;Liquidity
Facility.&#8221;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund utilizes the LA to increase its assets available
for investment. When the Fund leverages its assets, Common Shareholders bear the fees associated with the liquidity facility and have
the potential to benefit or be disadvantaged from the use of leverage. In addition, the fee paid to the Advisor is calculated on the basis
of the Fund&#8217;s average daily managed assets, including proceeds from borrowings and/or the issuance of preferred shares, so the fee
will be higher when leverage is utilized, which may create an incentive for the Advisor to employ financial leverage. Consequently, the
Fund and the Advisor may have differing interests in determining whether to leverage the Fund&#8217;s assets. Leverage creates risks that
may adversely affect the return for the Common Shareholders, including:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 7.2pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">the likelihood of greater volatility of NAV and market price of Common Shares;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 21.6pt; text-indent: -14.4pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 7.2pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">fluctuations in the interest rate paid for the use of the LA;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 21.6pt; text-indent: -14.4pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 7.2pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">increased operating costs, which may reduce the Fund&#8217;s total return;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 21.6pt; text-indent: -14.4pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 7.2pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">the potential for a decline in the value of an investment acquired through leverage, while the Fund&#8217;s
obligations under such leverage remains fixed; and</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 21.6pt; text-indent: -14.4pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 7.2pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">the Fund is more likely to have to sell securities in a volatile market in order to meet asset coverage
or other debt compliance requirements.</TD></TR></TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">To the extent the returns derived from securities purchased
with proceeds received from leverage exceed the cost of leverage, the Fund&#8217;s distributions may be greater than if leverage had not
been used. Conversely, if the returns from the securities purchased with such proceeds are not sufficient to cover the cost of leverage,
the amount available for distribution to Common Shareholders will be less than if leverage had not been used. In the latter case, the
Advisor, in its best judgment, may nevertheless determine to maintain the Fund&#8217;s leveraged position if it deems such action to be
appropriate. The costs of a borrowing program and/or an offering of preferred shares would be borne by Common Shareholders and consequently
would result in a reduction of the NAV of Common Shares.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In addition to the risks created by the Fund&#8217;s
use of leverage, the Fund is subject to the risk that the liquidity facility agreement is terminated due to the occurrence of one or more
events of default under the LA. If the LA is terminated in such circumstances, the Fund would be subject to additional risk that it would
be unable to timely, or at all, obtain replacement financing. The Fund might also be required to de-leverage, selling securities at a
potentially inopportune time and incurring tax consequences. Further, the Fund&#8217;s ability to generate income from the use of leverage
would be adversely affected.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may be required to maintain minimum average
balances in connection with borrowings or to pay a commitment or other fee to maintain a liquidity facility; either of these requirements
will increase the cost of borrowing over the stated interest rate. To the extent that the Fund borrows through the use of reverse repurchase
agreements, it would be subject to a risk that the value of the portfolio securities transferred may substantially exceed the purchase
price received by the Fund under the reverse repurchase agreement transaction. Alternatively, during the life of any reverse repurchase
agreement transaction, the Fund may be required to transfer additional securities if the market value of those securities initially transferred
declines. In addition, capital raised through borrowing or the issuance of preferred shares will be subject to interest costs or dividend
payments that may or may not exceed the income and appreciation on the assets purchased. The issuance of additional classes of preferred
shares involves offering expenses and other costs, which will be borne by the Common Shareholders, and may limit the Fund&#8217;s freedom
to pay dividends on Common Shares or to engage in other activities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may be subject to certain restrictions on
investments imposed by guidelines of one or more nationally recognized statistical rating organizations which may issue ratings for the
preferred shares or short-term debt instruments issued by the Fund. These guidelines may impose asset coverage or portfolio composition
requirements that are more stringent than those imposed by the 1940 Act. Certain types of borrowings may result in the Fund being subject
to covenants in credit agreements, including those relating to asset coverage, borrowing base and portfolio composition requirements and
additional covenants that may affect the Fund&#8217;s ability to pay dividends and distributions on Common Shares in certain instances.
The Fund also may be required to pledge its assets to the lenders in connection with certain types of borrowing. Under the current LA,
the Fund is subject to covenants that include, but are not limited to, certain minimum net asset value and collateral requirements, as
well as a requirement to provide timely certain financial information to the lender. The Advisor does not anticipate that these covenants
or restrictions will adversely affect its ability to manage the Fund&#8217;s portfolio in accordance with the Fund&#8217;s investment
objective and principal investment strategies. Due to these covenants or restrictions, the Fund may be forced to liquidate investments
at times and at prices that are not favorable to the Fund, or the Fund may be forced to forego investments that the Advisor otherwise
views as favorable.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The extent that the Fund employs leverage, if any,
will depend on many factors, the most important of which are investment outlook, market conditions and interest rates. Successful use
of a leveraging strategy depends on the Advisor&#8217;s ability to predict correctly interest rates and market movements. There is no
assurance that a leveraging strategy will be successful during any period in which it is employed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>LIBOR DISCONTINUATION RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The LA utilizes LIBOR as the reference or benchmark
rate for interest rate calculations. LIBOR is a measure of the average interest rate at which major global banks can borrow from one another.
Following allegations of rate manipulation and concerns regarding its thin liquidity, in July 2017, the U.K. Financial Conduct Authority,
which regulates LIBOR, announced that it will stop encouraging banks to provide the quotations needed to sustain LIBOR. The ICE Benchmark
Administration Limited, the administrator of LIBOR, is expected to cease publishing most LIBOR maturities, including some US LIBOR maturities,
on December 31, 2021, and the remaining and most liquid US LIBOR maturities on June 30, 2023. It is expected that market participants
such as the fund and SSB will transition to the use of alternative reference or benchmark rates prior to the applicable LIBOR publication
cessation date. However, although regulators have encouraged the development and adoption of alternative rates such as the Secured</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Overnight Financing Rate (&#8220;SOFR&#8221;), the future utilization of LIBOR or of any particular replacement rate remains unclear.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Although the transition process away from LIBOR has
become increasingly well-defined in advance of the anticipated discontinuation dates, the impact on the LA remains uncertain. It is expected
that market participants will amend financial instruments referencing LIBOR, such as the LA, to include fallback provisions and other
measures that contemplate the discontinuation of LIBOR or other similar market disruption events, but neither the effect of the transition
process nor the viability of such measures is known. To facilitate the transition of legacy derivatives contracts referencing LIBOR, the
International Swaps and Derivatives Association, Inc. launched a protocol to incorporate fallback provisions. However, there are obstacles
to converting certain longer term securities and transactions to a new benchmark or benchmarks and the effectiveness of one alternative
reference rate versus multiple alternative reference rates in new or existing financial instruments and products has not been determined.
Certain proposed replacement rates to LIBOR, such as SOFR, which is a broad measure of secured overnight US Treasury repo rates, are materially
different from LIBOR, and changes in the applicable spread for financial instruments transitioning away from LIBOR will need to be made
to accommodate the differences. Furthermore, the risks associated with the expected discontinuation of LIBOR and transition to replacement
rates may be exacerbated if an orderly transition to an alternative reference rate is not completed in a timely manner.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">As market participants transition away from LIBOR,
LIBOR&#8217;s usefulness may deteriorate. The transition process may lead to increased volatility and illiquidity in markets that currently
rely on LIBOR to determine interest rates. LIBOR&#8217;s deterioration may adversely affect the liquidity and/or market value of securities
that use LIBOR as a benchmark interest rate. The use of an alternative reference rate, or the transition process to an alternative reference
rate, may result in increases to the interest paid by the fund pursuant to the LA and, therefore, may adversely affect the fund&#8217;s
performance.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>MANAGEMENT RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund is subject to management risk because it relies
on the Subadvisor&#8217;s ability to pursue the Fund&#8217;s investment objective. The Subadvisor applies investment techniques and risk
analyses in making investment decisions for the Fund, but there can be no guarantee that it will produce the desired results. The Subadvisor&#8217;s
securities selections and other investment decisions might produce a loss or cause the Fund to underperform when compared to other funds
with similar investment goals. If one or more key individuals leave the employ of the Subadvisor, then the Subadvisor may not be able
to hire qualified replacements, or may require an extended time to do so. This could prevent the Fund from achieving its investment objective.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>MARKET DISCOUNT RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund&#8217;s Common Shares will be offered only
when Common Shares of the Fund are trading at a price equal to or above the Fund&#8217;s NAV per Common Share plus the per Common Share
amount of commissions. As with any security, the market value of the Common Shares may increase or decrease from the amount initially
paid for the Common Shares. The Fund&#8217;s Common Shares have traded at both a premium and at a discount to NAV. The shares of closed-end
management investment companies frequently trade at a discount from their NAV. This characteristic is a risk separate and distinct from
the risk that the Fund&#8217;s NAV could decrease as a result of investment activities. Investors bear a risk of loss to the extent that
the price at which they sell their shares is lower in relation to the Fund&#8217;s NAV than at the time of purchase, assuming a stable
NAV.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>NATURAL DISASTERS AND ADVERSE WEATHER CONDITIONS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Certain areas of the world historically have been prone
to major natural disasters, such as hurricanes, earthquakes, typhoons, flooding, tidal waves, tsunamis, erupting volcanoes, wildfires
or droughts, and have been economically sensitive to environmental events. Such disasters, and the resulting damage, could have a severe
and negative impact on the Fund&#8217;s investment portfolio and, in the longer term, could impair the ability of issuers in which the
Fund invests to conduct their businesses in the manner normally conducted. Adverse weather conditions also may have a particularly significant
negative effect on issuers in the agricultural sector and on insurance companies that insure against the impact of natural disasters.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>SECONDARY MARKET FOR THE COMMON SHARES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The issuance of new Common Shares may have an adverse
effect on the secondary market for the Common Shares. When Common Shares are trading at a premium, the Fund may issue new Common Shares
of the Fund. The increase in the amount of the Fund&#8217;s outstanding Common Shares resulting from the offering of new Common Shares
may put downward pressure on the market price for the Common Shares of the Fund. Common Shares will not be issued at any time when Common
Shares are trading at a price lower than a price equal to the Fund&#8217;s NAV per Common Share plus the per Common Share amount of commissions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund also issues Common Shares through its dividend
reinvestment plan. Common Shares may be issued under the plan at a discount to the market price for such Common Shares, which may put
downward pressure on the market price for Common Shares of the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The voting power of current Common Shareholders will
be diluted to the extent that such shareholders do not purchase shares in any future Common Share offerings or do not purchase sufficient
shares to maintain their percentage interest. In addition, if the proceeds of such offering are unable to be invested as intended, the
Fund&#8217;s per Common Share distribution may decrease (or may consist of return of capital) and the Fund may not participate in market
advances to the same extent as if such proceeds were fully invested as planned.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>TAX RISK </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">To qualify for the special tax treatment available
to regulated investment companies, the Fund must: (i) derive at least 90% of its annual gross income from certain kinds of investment
income; (ii) meet certain asset diversification requirements at the end of each quarter; and (iii) distribute in each taxable year at
least 90% of its net investment income (including net interest income and net short term capital gain). If the Fund failed to meet any
of these requirements, subject to the opportunity to cure such failures under applicable provisions of the Code, the Fund would be subject
to U.S. federal income tax at regular corporate rates on its taxable income, including its net capital gain, even if such income were
distributed to its shareholders. All distributions by the Fund from earnings and profits, including distributions of net capital gain
(if any), would be taxable to the shareholders as ordinary income. To the extent designated by the Fund, such distributions generally
would be eligible (i) to be treated as qualified dividend income in the case of individual and other non-corporate shareholders and (ii)
for the dividends received deduction in the case of corporate shareholders, provided that in each case the shareholder meets applicable
holding period requirements. In addition, in order to requalify for taxation as a regulated investment company, the Fund might be required
to recognize unrealized gain, pay substantial taxes and interest, and make certain distributions. See &#8220;U.S. Federal Income Tax Matters.&#8221;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The tax treatment and characterization of the Fund&#8217;s
distributions may vary significantly from time to time due to the nature of the Fund&#8217;s investments. The ultimate tax characterization
of the Fund&#8217;s distributions in a calendar year may not finally be determined until after the end of that calendar year. The Fund
may make distributions during a calendar year that exceed the Fund&#8217;s net investment income and net realized capital gain for that
year. In such a situation, the amount by which the Fund&#8217;s total distributions exceed net investment income and net realized capital
gain generally would be treated as a return of capital up to the amount of the Common Shareholder&#8217;s tax basis in his or her Common
Shares, with any amounts exceeding such basis treated as gain from the sale of his or her Common Shares. The Fund&#8217;s income distributions
that qualify for favorable tax treatment may be affected by the Internal Revenue Service&#8217;s (&#8220;IRS&#8221;) interpretations of
the Code and future changes in tax laws and regulations. See &#8220;U.S. Federal Income Tax Matters.&#8221;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">No assurance can be given as to what percentage of
the distributions paid on Common Shares, if any, will consist of long-term capital gain or what the tax rates on various types of income
will be in future years. See &#8220;U.S. Federal Income Tax Matters.&#8221;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><I>Strategy Risks</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>CORPORATE DEBT SECURITIES RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Corporate debt obligations are subject to the risk
of an issuer&#8217;s inability to meet principal and interest payments on the obligations and also may be subject to price volatility
due to such factors as market interest rates, market perception of the creditworthiness of the issuer and general market liquidity.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>CREDIT AND COUNTERPARTY RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; color: #231F20">This is the risk that the
issuer or guarantor of a fixed-income security, the counterparty to an over-the-counter (OTC) derivatives contract (see &#8220;Hedging,
derivatives, and other strategic transactions risk&#8221;), or a borrower of the Fund&#8217;s securities will be unable or unwilling to
make timely principal, interest, or settlement payments, or otherwise honor its obligations. Credit risk associated with investments in
fixed-income securities relates to the ability of the issuer to make scheduled payments of principal and interest on an obligation. A
fund that invests in fixed-income securities is subject to varying degrees of risk that the issuers of the securities will have their
credit ratings downgraded or will default, potentially reducing the fund&#8217;s share price and income level. Nearly all fixed-income
securities are subject to some credit risk, which may vary depending upon whether the issuers of the securities are corporations, domestic
or foreign governments, or their subdivisions or instrumentalities. U.S. government securities are subject to varying degrees of credit
risk depending upon whether the securities are supported by the full faith and credit of the United States; the ability to borrow from
the U.S. Treasury; only by the credit of the issuing U.S. government agency, instrumentality, or corporation; or otherwise supported by
the United States. For example, issuers of many types of U.S. government securities (e.g., the Federal Home Loan Mortgage Corporation
(Freddie Mac), Federal National Mortgage Association (Fannie Mae), and Federal Home Loan Banks), although chartered or sponsored by Congress,
are not funded by congressional appropriations, and their fixed-income securities, including asset-backed and mortgage-backed securities,
are neither guaranteed nor insured by the U.S. government. An agency of the U.S. government has placed Fannie Mae and Freddie Mac into
conservatorship, a statutory process with the objective of returning the entities to normal business operations. It is unclear what effect
this conservatorship will have on the securities issued or guaranteed by Fannie Mae or Freddie Mac. As a result, these securities are
subject to more credit risk than U.S. government securities that are supported by the full faith and credit of the United States (e.g.,
U.S. Treasury bonds). When a fixed-income security is not rated, a manager may have to assess the risk of the security itself. Asset-backed
securities, whose principal and interest payments are supported by pools of other assets, such as credit card receivables and automobile
loans, are subject to further risks, including the risk that the obligors of the underlying assets default on payment of those assets.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; color: #231F20">Funds that invest in below-investment-grade
securities, also called junk bonds (e.g., fixed-income securities rated Ba or lower by Moody&#8217;s Investors Service, Inc. or BB or
lower by Standard &amp; Poor&#8217;s Ratings Services, at the time of investment, or determined by a manager to be of comparable quality
to securities so rated) are subject to increased credit risk. The sovereign debt of many foreign governments, including their subdivisions
and instrumentalities, falls into this category. Below-investment-grade securities offer the potential for higher investment returns than
higher-rated securities, but they carry greater credit risk: their issuers&#8217; continuing ability to meet principal and interest payments
is considered speculative, they are more susceptible to real or perceived adverse economic and competitive industry conditions, and they
may be less liquid than higher-rated securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; color: #231F20">In addition, the Fund is
exposed to credit risk to the extent that it makes use of OTC derivatives (such as forward foreign currency contracts and/or swap contracts)
and engages to a significant extent in the lending of fund securities or the use of repurchase agreements. OTC derivatives transactions
can be closed out with the other party to the transaction. If the counterparty defaults, the Fund will have contractual remedies, but
there is no assurance that the counterparty will be able to meet its contractual obligations or that, in the event of default, the Fund
will succeed in enforcing them. A fund, therefore, assumes the risk that it may be unable to obtain payments owed to it under OTC derivatives
contracts or that those payments may be delayed or made only after the fund has incurred the costs of litigation. While the manager intends
to monitor the creditworthiness of contract counterparties, there can be no assurance that the counterparty will be in a position to meet
its obligations, especially during unusually adverse market conditions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>EQUITY SECURITIES RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Common and preferred stocks represent equity ownership
in a company. Stock markets are volatile. The price of equity securities will fluctuate, and can decline and reduce the value of the Fund
investing in equities. The price of equity securities fluctuates based on changes in a company&#8217;s financial condition and overall
market and economic conditions. The value of equity securities purchased by the Fund could decline if the financial condition of the companies
in which the Fund is invested declines, or if overall market and economic conditions deteriorate. An issuer&#8217;s financial condition
could decline as a result of poor management decisions, competitive pressures, technological obsolescence, undue reliance on suppliers,
labor issues, shortages, corporate restructurings, fraudulent disclosures, or other factors. Changes in the financial condition of a single
issuer can impact the market as a whole.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Even a fund that invests in high-quality, or blue chip,
equity securities, or securities of established companies with large market capitalizations (which generally have strong financial characteristics),
can be negatively impacted by poor overall market and economic conditions. Companies with large market capitalizations may also have less
growth potential than smaller companies and may be less able to react quickly to changes in the marketplace.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund generally does not attempt to time the market.
Because of its exposure to equities, the possibility that stock market prices in general will decline over short or extended periods subjects
the Fund to unpredictable declines in the value of its investments, as well as periods of poor performance.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>PREFERRED AND CONVERTIBLE SECURITIES RISK<I>.</I></B>
Unlike interest on debt securities, preferred stock dividends are payable only if declared by the issuer&#8217;s board. Also, preferred
stock may be subject to optional or mandatory redemption provisions. The market values of convertible securities tend to fall as interest
rates rise and rise as interest rates fall. The value of convertible preferred stock can depend heavily upon the value of the security
into which such convertible preferred stock is converted, depending on whether the market price of the underlying security exceeds the
conversion price.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 10.4pt 0 0; text-align: justify; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>FIXED-INCOME SECURITIES RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 8.25pt 0 0; text-align: justify; color: #231F20">Fixed-income securities
are generally subject to two principal types of risk, as well as other risks described below: (1) interest-rate risk and (2) credit quality
risk.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 8.25pt 0 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 10.15pt 0 0; text-align: justify; color: #231F20"><B>Credit quality risk.
</B>Fixed-income securities are subject to the risk that the issuer of the security will not repay all or a portion of the principal borrowed
and will not make all interest payments. If the credit quality of a fixed-income security deteriorates after the Fund has purchased the
security, the market value of the security may decrease and lead to a decrease in the value of the fund&#8217;s investments. An issuer&#8217;s
credit quality could deteriorate as a result of poor management decisions, competitive pressures, technological obsolescence, undue reliance
on suppliers, labor issues, shortages, corporate restructurings, fraudulent disclosures, or other factors. Funds that may invest in lower-rated
fixed-income securities, commonly referred to as junk securities, are riskier than funds that may invest in higher-rated fixed-income
securities. Additional information on the risks of investing in investment-grade fixed-income securities in the lowest rating category
and lower-rated fixed-income securities is set forth below.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.5pt 0 0; text-align: justify; color: #231F20"><B>Interest-rate risk. </B>Fixed-income
securities are affected by changes in interest rates. When interest rates decline, the market value of fixed-income securities generally
can be expected to rise. Conversely, when interest rates rise, the market value of fixed-income securities generally can be expected to
decline. The longer the duration or maturity of a fixed-income security, the more susceptible it is to interest-rate risk. Recent and
potential future changes in government monetary policy may affect the level of interest rates.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.5pt 0 0; text-align: justify; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.5pt 0 0; text-align: justify">The fixed-income securities market has been
and may continue to be negatively affected by the novel coronavirus (COVID-19) pandemic. As with other serious economic disruptions, governmental
authorities and regulators are responding to this crisis with significant fiscal and monetary policy changes, including considerably lowering
interest rates, which, in some cases could result in negative interest rates. These actions, including their possible unexpected or sudden
reversal or potential ineffectiveness, could further increase volatility in securities and other financial markets and reduce market liquidity.
To the extent the fund has a bank deposit or holds a debt instrument with a negative interest rate to maturity, the fund would generate
a negative return on that investment. Similarly, negative rates on investments by money market funds and similar cash management products
could lead to losses on investments, including on investments of the fund&#8217;s uninvested cash.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 10.15pt 0 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.8pt 0 0; text-align: justify; color: #231F20"><B>Investment-grade fixed-income
securities in the lowest rating category risk. </B>Investment-grade fixed-income securities in the lowest rating category (such as Baa
by Moody&#8217;s Investors Service, Inc. or BBB by Standard and Poor&#8217;s Ratings Services or Fitch Ratings, as applicable, and comparable
unrated securities) involve a higher degree of risk than fixed-income securities in the higher rating categories. While such securities
are considered investment-grade quality and are deemed to have adequate capacity for payment of principal and interest, such securities
lack outstanding investment characteristics and have speculative characteristics as well. For example, changes in economic conditions
or other circumstances are more likely to lead to a weakened capacity to make principal and interest payments than is the case with higher-grade
securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.05pt 0 0; text-align: justify; color: #231F20"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.05pt 0 0; text-align: justify; color: #231F20"><B>Prepayment of principal
risk. </B>Many types of debt securities, including floating-rate loans, are subject to prepayment risk. Prepayment risk occurs when the
issuer of a security can repay principal prior to the security&#8217;s maturity. Securities subject to prepayment risk can offer less
potential for gains when the credit quality of the issuer improves.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Recent Fixed-Income Market Events.</B> In addition
to financial market volatility, relatively high market volatility and reduced liquidity in credit and fixed-income markets may adversely
affect many issuers worldwide. Actions taken by the U.S. Federal Reserve or foreign central banks to stimulate or stabilize economic growth,
such as decreases or increases in short-term interest rates, or interventions in currency markets, could cause high volatility in the
equity and fixed-income markets.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>FOREIGN SECURITIES RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Funds that invest in securities traded principally
in securities markets outside&nbsp;the United States are subject to additional and more varied risks, as the value&nbsp;of foreign securities
may change more rapidly and extremely than the value of&nbsp;U.S. securities. Less information may be publicly available regarding foreign&nbsp;issuers.
Foreign securities may be subject to foreign taxes and may be more&nbsp;volatile than U.S. securities. Currency fluctuations and political
and economic&nbsp;developments may adversely impact the value of foreign securities. The&nbsp;securities markets of many foreign countries
are relatively small, with a limited&nbsp;number of companies representing a small number of industries. Additionally,&nbsp;issuers of
foreign securities may not be subject to the same degree of&nbsp;regulation as U.S. issuers. Reporting, accounting, and auditing standards
of foreign countries differ, in some cases significantly, from U.S. standards. There&nbsp;are generally higher commission rates on foreign
portfolio transactions, transfer&nbsp;taxes, higher custodial costs, and the possibility that foreign taxes will be&nbsp;charged on dividends
and interest payable on foreign securities, some or all of&nbsp;which may not be reclaimable. Also, adverse changes in investment or&nbsp;exchange
control regulations (which may include suspension of the ability to&nbsp;transfer currency or assets from a country); political changes;
or diplomatic&nbsp;developments could adversely affect the Fund&#8217;s investments. In the event of&nbsp;nationalization, expropriation,
confiscatory taxation, or other confiscation, the&nbsp;Fund could lose a substantial portion of, or its entire investment in, a foreign&nbsp;security.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Any depositary receipts are subject to most of the
risks associated with&nbsp;investing in foreign securities directly because the value of a depositary receipt&nbsp;is dependent upon the
market price of the underlying foreign equity security.&nbsp;Depositary receipts are also subject to liquidity risk.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Currency Risk. </B><FONT STYLE="color: #231F20">Currency
risk is the risk that fluctuations in exchange rates may adversely affect the U.S. dollar value of the Fund&#8217;s investments. Currency
risk includes both the risk that currencies in which a fund&#8217;s investments are traded, or currencies in which a fund has taken an
active investment position, will decline in value relative to the U.S. dollar and, in the case of hedging positions, that the U.S. dollar
will decline in value relative to the currency being hedged. Currency rates in foreign countries may fluctuate significantly for a number
of reasons, including the forces of supply and demand in the foreign exchange markets, actual or perceived changes in interest rates,
intervention (or the failure to intervene) by U.S. or foreign governments or central banks, or currency controls or political developments
in the United States or abroad. Certain funds may engage in proxy hedging of currencies by entering into derivative transactions with
respect to a currency whose value is expected to correlate to the value of a currency the fund owns or wants to own. This presents the
risk that the two currencies may not move in relation to one another as expected. In that case, the fund could lose money on its investment
and also lose money on the position designed to act as a proxy hedge. Certain funds may also take active currency positions and may cross-hedge
currency exposure represented by their securities into another foreign currency. This may result in a fund&#8217;s currency exposure being
substantially different than that suggested by its securities investments. All funds with foreign currency holdings and/or that invest
or trade in securities denominated in foreign currencies or related derivative instruments may be adversely affected by changes in foreign
currency exchange rates. Derivative foreign currency transactions (such as futures, forwards, and swaps) may also involve leveraging risk,
in addition to currency risk. Leverage may disproportionately increase a fund&#8217;s portfolio losses and reduce opportunities for gain
when interest rates, stock prices, or currency rates are changing.</FONT></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>HEDGING, DERIVATIVES AND OTHER STRATEGIC TRANSACTIONS
RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The ability of the Fund to utilize hedging, derivatives
and other strategic transactions to benefit the Fund will depend in part on the Subadvisor&#8217;s ability to predict pertinent market
movements and market risk, counterparty risk, credit risk, interest-rate risk and other risk factors, none of which can be assured. The
skills required to utilize hedging and other strategic transactions are different from those needed to select the Fund&#8217;s securities.
Even if the Subadvisor only uses hedging and other strategic transactions in the Fund primarily for hedging purposes or to gain exposure
to a particular securities market, if the transaction does not have the desired outcome, it could result in a significant loss to the
Fund. The amount of loss could be more than the principal amount invested. These transactions also may</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">increase the volatility of the Fund and may involve
a small investment of cash relative to the magnitude of the risks assumed, thereby magnifying the impact of any resulting gain or loss.
For example, the potential loss from the use of futures can exceed the Fund&#8217;s initial investment in such contracts. In addition,
these transactions could result in a loss to the Fund if the counterparty to the transaction does not perform as promised.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may invest in derivatives, which are financial
contracts with a value that depends on, or is derived from, the value of underlying assets, reference rates or indexes. Examples of derivative
instruments include options, futures contracts, options on futures contracts, foreign currency forward contracts and swap agreements (including,
but not limited to, interest-rate swaps, total return swaps, credit default swaps and swaps on exchange-traded funds). Derivatives may
relate to stocks, bonds, interest rates, currencies or currency exchange rates and related indexes. The Fund may use derivatives for many
purposes, including for hedging, and as a substitute for direct investment in securities or other assets. Derivatives may be used in a
way to efficiently adjust the exposure of the Fund to various securities, markets and currencies without the Fund actually having to sell
existing investments and make new investments. This generally will be done when the adjustment is expected to be relatively temporary
or in anticipation of effecting the sale of fund assets and making new investments over time. Further, since many derivatives have a leverage
component, adverse changes in the value or level of the underlying asset, reference rate or index can result in a loss substantially greater
than the amount invested in the derivative itself. Certain derivatives have the potential for unlimited loss, regardless of the size of
the initial investment. When the Fund uses derivatives for leverage, investments in the Fund will tend to be more volatile, resulting
in larger gain or loss in response to market changes. For a description of the various derivative instruments the Fund may utilize and
certain risk measures the Fund may implement, refer to the SAI.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The regulation of the U.S. and non-U.S. derivatives
markets has undergone substantial change in recent years and such change may continue. In particular, new Rule 18f-4 (the &#8220;Derivatives
Rule&#8221;), adopted by the SEC on October 28, 2020, replaces the asset segregation regime of Investment Company Act Release No. 10666
(Release 10666) with a new framework for the use of derivatives by registered funds. For funds using a significant amount of derivatives,
the Derivatives Rule mandates a fund adopt and/or implement: (i) value at risk limitations in lieu of asset segregation requirements;
(ii) a written derivatives risk management program; (iii) new Board oversight responsibilities, and (iv) new reporting and recordkeeping
requirements. The Derivative Rule provides an exception for funds with derivative exposure to 10% of its net assets, excluding certain
currency and interest rate hedging transactions. In addition, the Derivatives Rule provides special treatment for reverse repurchase agreements,
similar financing transactions and unfunded commitment agreements. On August 19, 2022, the SEC will rescind Release 10666 and withdraw
letters and similar guidance addressing a fund&#8217;s use of derivatives and require funds to satisfy the requirements of the Derivatives
Rule. Unless a Fund elects to comply early with the Derivatives Rule, a Fund may continue to engage in certain asset segregation practices
in accordance with Release 10666 and related staff letters and guidance until August 19, 2022.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In addition, the Dodd-Frank Wall Street Reform and
Consumer Protection Act, and regulation proposed to be promulgated thereunder require many derivatives to be cleared and traded on an
exchange, expand entity registration requirements, impose business conduct requirements on dealers that enter into swaps with a pension
plan, endowment, retirement plan or government entity, and required banks to move some derivatives trading units to a non-guaranteed affiliate
separate from the deposit-taking bank or divest them altogether. Although the CFTC has released final rules relating to clearing, reporting,
recordkeeping and registration requirements under the legislation, many of the provisions are subject to further final rule making, and
thus its ultimate impact remains unclear. New regulations could, among other things, restrict the Fund&#8217;s ability to engage in derivatives
transactions (for example, by making certain types of derivatives transactions no longer available to the Fund) and/or increase the costs
of such derivatives transactions (for example, by increasing margin or capital requirements), and the Fund may be unable to fully execute
its investment strategies as a result. Limits or restrictions applicable to the counterparties with which the Fund engages in derivative
transactions also could prevent the Fund from using these instruments or affect the pricing or other factors relating to these instruments,
or may change the availability of certain investments.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">At any time after the date of this prospectus, legislation
may be enacted that could negatively affect the assets of the Fund. Legislation or regulation may change the way in which the Fund itself
is regulated. The Adviser cannot predict the effects of any new governmental regulation that may be implemented, and there can be no assurance
that any new governmental regulation will not adversely affect the Fund&#8217;s ability to achieve its investment objective.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: blue">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; color: #231F20">The use of derivative instruments
may involve risks different from, or potentially greater than, the risks associated with investing directly in securities and other, more
traditional assets. In particular, the use of derivative instruments exposes the Fund to the risk that the counterparty to an OTC derivatives
contract will be unable or unwilling to</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; color: #231F20">make timely settlement payments
or otherwise honor its obligations. OTC derivatives transactions typically can only be closed out with the other party to the transaction,
although either party may engage in an offsetting transaction that puts that party in the same economic position as if it had closed out
the transaction with the counterparty or may obtain the other party&#8217;s consent to assign the transaction to a third party. If the
counterparty defaults, the Fund will have contractual remedies, but there is no assurance that the counterparty will meet its contractual
obligations or that, in the event of default, the Fund will succeed in enforcing them. For example, because the contract for each OTC
derivatives transaction is individually negotiated with a specific counterparty, the Fund is subject to the risk that a counterparty may
interpret contractual terms (e.g., the definition of default) differently than the Fund when the Fund seeks to enforce its contractual
rights. If that occurs, the cost and unpredictability of the legal proceedings required for the Fund to enforce its contractual rights
may lead it to decide not to pursue its claims against the counterparty. The Fund, therefore, assumes the risk that it may be unable to
obtain payments owed to it under OTC derivatives contracts or that those payments may be delayed or made only after the Fund has incurred
the costs of litigation. While a manager intends to monitor the creditworthiness of counterparties, there can be no assurance that a counterparty
will meet its obligations, especially during unusually adverse market conditions. To the extent the Fund contracts with a limited number
of counterparties, the Fund&#8217;s risk will be concentrated and events that affect the creditworthiness of any of those counterparties
may have a pronounced effect on the Fund. Derivatives are also subject to a number of other risks, including market risk and liquidity
risk. Since the value of derivatives is calculated and derived from the value of other assets, instruments, or references, there is a
risk that they will be improperly valued. Derivatives also involve the risk that changes in their value may not correlate perfectly with
the assets, rates, or indexes they are designed to hedge or closely track. Suitable derivatives transactions may not be available in all
circumstances. The Fund is also subject to the risk that the counterparty closes out the derivatives transactions upon the occurrence
of certain triggering events. In addition, a manager may determine not to use derivatives to hedge or otherwise reduce risk exposure.
Government legislation or regulation could affect the use of derivatives transactions and could limit the Fund&#8217;s ability to pursue
its investment strategies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The following is a list of certain derivatives and
other strategic transactions that the Fund may utilize and the main risks associated with each of them:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 7.2pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify"><B><I>Credit default swaps. </I></B>Counterparty risk, liquidity risk (<I>i.e.</I>, the inability to enter
into closing transactions), interest-rate risk, settlement risk, risk of default of the underlying reference obligation and risk of disproportionate
loss are the principal risks of engaging in transactions involving credit default swaps.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 7.2pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify"><B><I>Foreign currency forward contracts</I></B>. Counterparty risk, liquidity risk (<I>i.e.</I>, the
inability to enter into closing transactions), foreign currency risk and risk of disproportionate loss are the principal risks of engaging
in transactions involving foreign currency forward contracts.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 7.2pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify"><B><I>Foreign currency swaps. </I></B>Counterparty risk, liquidity risk (<I>i.e.</I>, the inability to
enter into closing transactions), foreign currency risk and risk of disproportionate loss are the principal risks of engaging in transactions
involving foreign currency swaps.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 7.2pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify"><B><I>Futures contracts. </I></B>Counterparty risk, liquidity risk (<I>i.e.</I>, the inability to enter
into closing transactions) and risk of disproportionate loss are the principal risks of engaging in transactions involving futures contracts.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 7.2pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify"><B><I>Interest-rate swaps. </I></B>Counterparty risk, liquidity risk (<I>i.e.</I>, the inability to enter
into closing transactions), interest-rate risk and risk of disproportionate loss are the principal risks of engaging in transactions involving
interest-rate swaps.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 7.2pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify"><B><I>Options and currency option. </I></B>Counterparty risk, liquidity risk (<I>i.e.</I>, the inability
to enter into closing transactions) and risk of disproportionate loss are the principal risks of engaging in transactions involving options,
including currency options. Counterparty risk does not apply to exchange-traded options.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 7.2pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify"><B><I>Swaps. </I></B>Counterparty risk, liquidity risk (<I>i.e.</I>, the inability to enter into closing
transactions), interest-rate risk, settlement risk, risk of default of the underlying reference obligation and risk of disproportionate
loss are the principal risks of engaging in transactions involving swaps, including credit default swaps and total return swaps.</TD></TR></TABLE>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>ILLIQUID AND RESTRICTED SECURITIES RISK</B></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may invest without limit in securities
for which there is no readily available trading market or which are otherwise illiquid <FONT STYLE="background-color: white">(<I>i.e.,</I>&nbsp;investments
that the Fund reasonably expects cannot be sold or disposed of in current market conditions in seven calendar days or less without the
sale or disposition significantly changing the market value of the investment)</FONT>. The Fund may have significant exposure to restricted
securities. Restricted securities are securities with restrictions on public resale, such as securities offered in accordance with an
exemption under Rule 144A under the Securities Act of 1933 (the &#8220;1933 Act&#8221;), or commercial paper issued under Section 4(a)(2)
of the 1933 Act. Restricted securities are often required to be sold in private sales to institutional buyers, markets for restricted
securities may or may not be well developed, and restricted securities can be illiquid.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Illiquid and restricted securities may be difficult
to value and may involve greater risks than liquid securities. Illiquidity may have an adverse impact on a particular security&#8217;s
market price and the fund&#8217;s ability to see the security. <FONT STYLE="background-color: white">Illiquid investments may become harder
to value, especially in changing markets. The Fund&#8217;s investments in illiquid securities may reduce the returns of the Fund because
it may be unable to sell the illiquid investments at an advantageous time or price or possibly require the Fund to dispose of other investments
at unfavorable times or prices in order to satisfy its obligations, which could prevent the Fund from taking advantage of other investment
opportunities. Additionally, the market for certain investments may become illiquid under adverse market or economic conditions independent
of any specific adverse changes in the conditions of a particular issuer.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The extent (if at all) to which a security may
be sold or a derivative position closed without negatively impacting its market value may be impaired by reduced market activity or participation,
legal restrictions or other economic and market impediments. Funds with principal investment strategies that involve investments in securities
of companies with smaller market capitalizations, foreign securities, derivatives, or securities with substantial market and/or credit
risk tend to have the greatest exposure to liquidity risk. Exposure to liquidity risk may be heightened for funds that invest in securities
of emerging markets and related derivatives that are not widely traded, and that may be subject to purchase and sale restrictions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The capacity of traditional dealers to engage in fixed-income
trading has not kept pace with the bond market&#8217;s growth. As a result, dealer inventories of corporate bonds, which indicate the
ability to &#8220;make markets,&#8221; i.e., buy or sell a security at the quoted bid and ask price, respectively, are at or near historic
lows relative to market size. Because market makers provide stability to fixed-income markets, the significant reduction in dealer inventories
could lead to decreased liquidity and increased volatility, which may become exacerbated during periods of economic or political stress.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In addition, limited liquidity could affect the market
price of the investments, thereby adversely affecting the Fund&#8217;s NAV and ability to make dividend distributions. The financial markets
in general have in recent years experienced periods of extreme secondary market supply and demand imbalance, resulting in a loss of liquidity
during which market prices were suddenly and substantially below traditional measures of intrinsic value. During such periods, some investments
could be sold only at arbitrary prices and with substantial losses. Periods of such market dislocation may occur again at any time. The
Fund has no limitation on the amount of its assets which may be invested in investments which are not readily marketable or are subject
to restrictions on resale.</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>LOWER-RATED AND HIGH-YIELD FIXED-INCOME SECURITIES
RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Lower-rated fixed-income securities and high-yield
fixed-income securities (both commonly known as &#8220;junk bonds&#8221;) are subject to the same risks as other fixed-income securities
but have greater credit quality risk and may be considered speculative. In addition, lower-rated corporate debt securities (and comparable
unrated securities) tend to be more sensitive to individual corporate developments and changes in economic conditions than higher-rated
corporate fixed-income securities. Issuers of lower-rated corporate debt securities may also be highly leveraged, increasing the risk
that principal and income will not be repaid. Lower-rated foreign government fixed-income securities are subject to the risks of investing
in foreign countries described under &#8220;Foreign securities risk.&#8221; In addition, the ability and willingness of a foreign government
to make payments on debt when due may be affected by the prevailing economic and political conditions within the country. Emerging-market
countries may experience high inflation, interest rates and unemployment, as well as exchange rate fluctuations which adversely affect
trade and political uncertainty or instability. These factors increase the risk that a foreign government will not make payments when
due.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Lower-rated fixed-income securities are defined as
securities rated below investment grade (such as Ba and below by Moody&#8217;s Investors Service, Inc. and BB and below by Standard and
Poor&#8217;s Ratings Services and Fitch Ratings, as applicable) (also called junk bonds). The general risks of investing in these securities
are as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Risk to principal and income.</I></B> Investing
in lower-rated fixed-income securities is considered speculative. While these securities generally provide greater income potential than
investments in higher-rated securities, there is a greater risk that principal and interest payments will not be made. Issuers of these
securities may even go into default or become bankrupt.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Price volatility.</I></B> The price of lower-rated
fixed-income securities may be more volatile than securities in the higher-rated categories. This volatility may increase during periods
of economic uncertainty or change. The price of these securities is affected more than higher-rated fixed-income securities by the market&#8217;s
perception of their credit quality, especially during times of adverse publicity. In the past, economic downturns or increases in interest
rates have, at times, caused more defaults by issuers of these securities and may do so in the future. Economic downturns and increases
in interest rates have an even greater effect on highly leveraged issuers of these securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Liquidity.</I></B> The market for lower-rated
fixed-income securities may have more limited trading than the market for investment-grade fixed-income securities. Therefore, it may
be more difficult to sell these securities, and these securities may have to be sold at prices below their market value in order to meet
redemption requests or to respond to changes in market conditions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Dependence on manager&#8217;s own credit analysis.</I></B>
While a manager may rely on ratings by established credit rating agencies, it will also supplement such ratings with its own independent
review of the credit quality of the issuer. Therefore, the assessment of the credit risk of lower-rated fixed-income securities is more
dependent on the manager&#8217;s evaluation than the assessment of the credit risk of higher-rated securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Additional risks regarding lower-rated corporate
fixed-income securities.</I></B> Lower-rated corporate fixed-income securities (and comparable unrated securities) tend to be more sensitive
to individual corporate developments and changes in economic conditions than higher-rated corporate fixed-income securities. Issuers of
lower-rated corporate fixed-income securities may also be highly leveraged, increasing the risk that principal and income will not be
repaid.</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><B>PREFERRED AND CONVERTIBLE
SECURITIES RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">Unlike interest on debt securities,
preferred stock dividends are payable only if&nbsp;declared by the issuer&#8217;s board. Also, preferred stock may be subject to optional&nbsp;or
mandatory redemption provisions. The market values of convertible securities&nbsp;tend to fall as interest rates rise and rise as interest
rates fall. The value of&nbsp;convertible preferred stock can depend heavily upon the value of the security&nbsp;into which such convertible
preferred stock is converted, depending on whether&nbsp;the market price of the underlying security exceeds the conversion price.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>REAL ESTATE INVESTMENT TRUST SECURITIES RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Securities of companies in the real estate industry
include equity REITs and mortgage REITs. Equity REITs may be affected by changes in the value of the underlying property owned by the
REIT, while mortgage REITs may be affected by the quality of any credit extended. Further, equity and mortgage REITs are dependent upon
management skills and generally may not be diversified. Equity and mortgage REITs are also subject to heavy cash flow dependency, defaults
by borrowers and self-liquidations. In addition, equity and mortgage REITs could possibly fail to qualify for tax-free pass-through of
income under the Code, as amended, or to maintain their exemptions from registration under the 1940 Act. The above factors may also adversely
affect a borrower&#8217;s or a lessee&#8217;s ability to meet its obligations to a REIT. In the event of a default by a borrower or lessee,
a REIT may experience delays in enforcing its rights as a mortgagee or lessor and may incur substantial costs associated with protecting
its investments. In addition, even the larger REITs in the industry tend to be small- to medium-sized companies in relation to the equity
markets as a whole. Moreover, shares of REITs may trade less frequently and, therefore, are subject to more erratic price movements, than
securities of larger issuers.</P>






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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>REPURCHASE AGREEMENT RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The risk of a repurchase agreement transaction is limited to the
ability of the seller to pay the agreed-upon sum on the delivery date. In the event of bankruptcy or other default by the seller,
the instrument purchased may decline in value, interest payable on the instrument may be lost and there may be possible difficulties
and delays in obtaining collateral and delays and expense in liquidating the instrument. If an issuer of a repurchase agreement
fails to repurchase the underlying obligation, the loss, if any, would be the difference between the repurchase price and the
underlying obligation&#8217;s market value. The Fund might also incur certain costs in liquidating the underlying obligation.
Moreover, if bankruptcy or other insolvency proceedings are commenced with respect to the seller, realization upon the underlying
obligation might be delayed or limited.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 10.4pt 0 0; text-align: justify; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>REVERSE REPURCHASE AGREEMENT RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Reverse repurchase agreement transactions involve the
risk that the market value of the securities that the Fund is obligated to repurchase under such agreements may decline below the repurchase
price. Any fluctuations in the market value of either the securities transferred to the other party or the securities in which the proceeds
may be invested would affect the market value of the Fund&#8217;s assets, thereby potentially increasing fluctuations in the market value
of the Fund&#8217;s assets. In the event the buyer of securities under a reverse repurchase agreement files for bankruptcy or becomes
insolvent, the Fund&#8217;s use of proceeds received under the agreement may be restricted pending a determination by the other party,
or its trustee or receiver, whether to enforce the Fund&#8217;s obligation to repurchase the securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>U.S. GOVERNMENT SECURITIES RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 8.25pt 0 0; text-align: justify; color: #231F20">The Fund may invest in U.S.
government securities issued or guaranteed by the U.S. government or by an agency or instrumentality of the U.S. government. Not all U.S.
government securities are backed by the full faith and credit of the United States. Some are supported only by the credit of the issuing
agency or instrumentality, which depends entirely on its own resources to repay the debt. U.S. government securities that are backed by
the full faith and credit of the United States include U.S. Treasuries and mortgage-backed securities guaranteed by the Government National
Mortgage Association. Securities that are only supported by the credit of the issuing agency or instrumentality include Fannie Mae, FHLBs
and Freddie Mac. See &#8220;Credit and counterparty risk&#8221; for additional information on Fannie Mae and Freddie Mac securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>WARRANTS RISK</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Warrants are rights to purchase securities at specific
prices and are valid for a specific period of time. Warrant prices do not necessarily move parallel to the prices of the underlying securities,
and warrant holders receive no dividends and have no voting rights or rights with respect to the assets of an issuer. The price of a warrant
may be more volatile than the price of its underlying security, and a warrant may offer greater potential for capital appreciation as
well as capital loss. Warrants cease to have value if not exercised prior to the expiration date. These factors can make warrants more
speculative than other types of investments.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Given the risks described above, an investment
in Common Shares may not be appropriate for all investors. You should carefully consider your ability to assume these risks before making
an investment in the Fund.</I></B></P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt; text-align: center"><A NAME="tocpro_010"></A>Management of the Fund</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>TRUSTEES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The overall management of the Fund, including supervision
of the duties performed by the Advisor and the Subadvisor, is the responsibility of the Board of Trustees, under the laws of The Commonwealth
of Massachusetts and the 1940 Act. The Board of Trustees is responsible for the Fund&#8217;s overall management, including adopting the
investment and other policies of the Fund, electing and replacing officers and selecting and supervising the Fund&#8217;s Advisor and
Subadvisor. The names and business addresses of the Trustees and officers of the Fund and their principal occupations and other affiliations
during the past five years, as well as a description of committees of the Board, are set forth under &#8220;Those Responsible for Management&#8221;
in the SAI.</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">A discussion regarding the basis for the Trustees&#8217;
approval of the Advisory Agreement and the Subadvisory Agreement (each, as defined below) is available in the Fund&#8217;s most recent
annual shareholder report for the period ended December 31.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>THE ADVISOR</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisor is a Delaware limited liability company
whose principal offices are located at 200 Berkeley Street, Boston, Massachusetts 02116 and serves as the Fund&#8217;s investment advisor.
The Advisor is registered with the SEC as an investment advisor under the Investment Advisers Act of 1940, as amended (the &#8220;Advisers
Act&#8221;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Founded in 1968, the Advisor is an indirect principally
owned subsidiary of John Hancock Life Insurance Company (U.S.A.), a subsidiary of Manulife Financial Corporation (&#8220;Manulife Financial&#8221;
or the &#8220;Company&#8221;). Manulife Financial is the holding company of The Manufacturers Life Insurance Company (the &#8220;Life
Company&#8221;) and its subsidiaries. John Hancock Life Insurance Company (U.S.A.) and its subsidiaries (&#8220;John Hancock&#8221;) today
offer a broad range of financial products and services, including whole, term, variable, and universal life insurance, as well as college
savings products, mutual funds, fixed and variable annuities, long-term care insurance and various forms of business insurance.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisor&#8217;s parent company has been helping
individuals and institutions work toward their financial goals since 1862. The Advisor offers investment solutions managed by institutional
money managers, taking a disciplined team approach to portfolio management and research, leveraging the expertise of seasoned investment
professionals. The Advisor has been managing closed-end funds since 1971. As of March 31, 2021, the Advisor had total assets under management
of approximately $171.9  billion.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Subject to general oversight by the Board of Trustees,
the Advisor manages and supervises the investment operations and business affairs of the Fund. The Advisor selects, contracts with and
compensates one or more subadvisors to manage all or a portion of the Fund&#8217;s portfolio assets, subject to oversight by the Advisor.
In this role, the Advisor has supervisory responsibility for managing the investment and reinvestment of the Fund, as described in further
detail below. In this role, the Advisor has supervisory responsibility for managing the investment and reinvestment of the Fund as described
in further detail below. The Advisor is responsible for developing overall investment strategies for the Fund and overseeing and implementing
the Fund&#8217;s continuous investment program and provides a variety of advisory oversight and investment research services. The Advisor
also provides management and transition services associated with certain fund events (e.g., strategy, portfolio manager or subadvisor
changes) and coordinates and oversees services provided under other agreements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisor has ultimate responsibility to oversee
a subadvisor and recommended to the Board of Trustees its hiring, termination, and replacement. In this capacity, the Advisor, among other
things: (i) monitors on a daily basis the compliance of the subadvisor with the investment objective and related policies of the fund;
(ii) monitors significant changes that may impact the subadvisor&#8217;s overall business and regularly performs due diligence reviews
of the subadvisor; (iii) reviews the performance of the subadvisor; and (iv) reports periodically on such performance to the Board of
Trustees. The Advisor employs a team of investment professionals who provide these ongoing research and monitoring services.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisor has contractually agreed to waive a portion
of its management fee and/or reimburse expenses for certain funds of the John Hancock group of funds complex, including the fund (the
participating portfolios). The waiver equals, on an annualized basis, 0.0100% of that portion of the aggregate net assets of all the participating
portfolios that exceeds $75 billion but is less than or equal to $125 billion; 0.0125% of that portion of the aggregate net assets of
all the participating portfolios that exceeds $125 billion but is less than or equal to $150 billion; 0.0150% of that portion of the aggregate
net assets of all the participating portfolios that exceeds $150 billion but is less than or equal to $175 billion; 0.0175% of that portion
of the aggregate net assets of all the participating portfolios that exceeds $175 billion but is less than or equal to $200 billion; 0.0200%
of that portion of the aggregate net assets of all the participating portfolios that exceeds $200 billion but is less than or equal to
$225 billion; and 0.0225% of that portion of the aggregate net assets of all the participating portfolios that exceeds $225 billion. The
amount of the reimbursement is calculated daily and allocated among all the participating portfolios in proportion to the daily net assets
of each fund. During the year ended December 31, 2020, this waiver amounted to 0.01% of the fund&#8217;s average daily net assets. This
arrangement expires on July 31, 2023, unless renewed by mutual agreement of the fund and the Advisor based upon a determination that this
is appropriate under the circumstances at that time.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Manulife Financial Corporation is a leading
international financial services group with principal operations in Asia, Canada and the United States. Operating primarily as John
Hancock in the United States and Manulife elsewhere, it </P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">provides financial protection products and advice, insurance, as well as
wealth and asset management services through its extensive network of solutions for individuals, groups and institutions. As of
March 31, 2021, it had over C$1.3 trillion (US$1.0 trillion) in assets under management and administration. Its global headquarters
are in Toronto, Canada, and it trades as &#8216;MFC&#8217; on the Toronto Stock Exchange, New York Stock Exchange (the
&#8220;NYSE&#8221;), and the Philippine Stock Exchange, and under '945' in Hong
Kong. Manulife Financial Corporation can be found on the Internet at manulife.com.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Advisory Agreement. </I></B>The Fund entered
into an investment management contract dated June 30, 2020 (the &#8220;Advisory Agreement&#8221;) with the Advisor. As compensation for
its advisory services under the Advisory Agreement, the Advisor receives a fee from the Fund, calculated and paid daily, at an annual
rate of the Fund&#8217;s average daily managed assets. &#8220;Managed assets&#8221; means, for the purposes of calculating the advisory
fee, the total assets of the Fund (including any assets attributable to any leverage that may be outstanding) minus the sum of accrued
liabilities (other than liabilities representing financial leverage). The liquidation preference of any preferred shares is not a liability.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Pursuant to the Advisory Agreement and subject to the
general supervision of the Trustees, the Advisor selects, contracts with, and compensates the Subadvisor to manage the investments and
determine the composition of the assets of the Fund. The Advisor does not itself manage any of the Fund&#8217;s portfolio assets but has
ultimate responsibility to oversee the Subadvisor and recommend its hiring, termination and replacement. In this capacity, the Advisor
monitors the Subadvisor&#8217;s management of the Fund&#8217;s investment operations in accordance with the investment objective and related
investment policies of the Fund, reviews the performance of the Subadvisor and reports periodically on such performance to the Board.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Administration Agreement.</I></B> The Fund entered
into an administration contract dated August 15, 1994 (the &#8220;Administration Agreement&#8221;) with JHIM, under which the Fund receives
Non-Advisory Services. These &#8220;Non-Advisory Services&#8221; include, but are not limited to, preparing tax returns, preparing and
transmitting periodic reports to shareholders, preparing and submitting filings with the SEC and other regulatory authorities, maintaining
Fund records, providing personnel and clerical services, and other services that are not investment advisory in nature. The Fund pays
a monthly fee to JHIM equal to 0.25% of the Fund&#8217;s average weekly net assets for such Non-Advisory Services under the Administration
Agreement. The Advisor has contractually agreed to limit its administration fee to 0.10% of the fund&#8217;s average weekly gross assets.
This agreement expires on April 30, 2023, unless renewed by mutual agreement of the fund and the Advisor based upon a determination that
this is appropriate under the circumstances at that time.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>THE SUBADVISOR</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Subadvisory Agreement. </I></B>The Advisor entered
into a Subadvisory Agreement dated December 31, 2005 with the Subadvisor (the &#8220;Subadvisory Agreement&#8221;). The Subadvisor handles
the fund&#8217;s portfolio management activities, subject to oversight by the Advisor. The Subadvisor, organized in 1968, is a wholly
owned subsidiary of John Hancock Life Insurance Company (U.S.A.) (a subsidiary of Manulife Financial, a publicly held, Canadian-based
company). As of March 31, 2021, the Subadvisor had total assets under management of approximately $217.5 billion. The Subadvisor is located
at 101 Huntington Avenue, Boston, Massachusetts 02199.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Under the terms of the Subadvisory Agreement, the Subadvisor
is responsible for managing the investment and reinvestment of the assets of the Fund, subject to the supervision and control of the Board
and the Advisor. For services rendered by the Subadvisor under the Subadvisory Agreement, the Advisor (and not the Fund) pays the Subadvisor
a fee.</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>PORTFOLIO MANAGERS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Below is a list of the Fund&#8217;s investment management
team at the Subadvisor, listed in alphabetical order, which includes a brief summary of their business careers during the past five years.
These managers are jointly and primarily responsible for the day-to-day management of the Fund&#8217;s portfolio. These managers are employed
by the Subadvisor. For more details about these individuals, including information about their compensation, other accounts they manage
and any investments they may have in the Fund, see the SAI.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify"><B><I>Susan A. Curry</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt 28.8pt; text-align: justify; text-indent: -14.4pt">Managing Director
and Portfolio Manager Manulife Investment Management (US) LLC since 2006</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 28.8pt; text-align: justify; text-indent: -14.4pt">Managed the Fund
since 2004</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 28.8pt; text-align: justify; text-indent: -14.4pt">Began business career
in 1993</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 28.8pt; text-align: justify; text-indent: -14.4pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Ryan P. Lentell, CFA</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt 28.8pt; text-align: justify; text-indent: -14.4pt">Managing Director
and Portfolio Manager, Manulife Investment Management (US) LLC since 2008</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt 28.8pt; text-align: justify; text-indent: -14.4pt">Managing Director,
Manulife Investment Management(US) LLC (2005&#8212;2012)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt 28.8pt; text-align: justify; text-indent: -14.4pt">Managed the Fund
since 2008</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt 28.8pt; text-align: justify; text-indent: -14.4pt">Began business career
in 1999</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 28.8pt; text-align: justify; text-indent: -14.4pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>CUSTODIAN AND TRANSFER AGENT</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund&#8217;s portfolio securities are held pursuant
to a custodian agreement between the Fund and State Street Bank and Trust Company (&#8220;State Street&#8221; or the &#8220;Custodian&#8221;),
State Street Financial Center, One Lincoln Street, Boston, Massachusetts 02111. Under the custodian agreement, State Street performs custody,
foreign custody manager and fund accounting services.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Computershare Trust Company, N.A., P.O. Box 505000,
Louisville, KY 40233, is the transfer agent and dividend disbursing agent of the Fund.</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt; text-align: center"><A NAME="tocpro_011"></A>Determination of Net Asset
Value</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">The Fund&#8217;s net asset value per Common Share
(&#8220;NAV&#8221;) is normally determined each business day at the close of regular trading on the NYSE (typically 4:00 p.m. Eastern
Time, on each business day that the NYSE is open) by dividing the Fund&#8217;s net assets by the number of Common Shares outstanding.
In case of emergency or other disruption resulting in the NYSE not opening for trading or the NYSE closing at a time other than the regularly
scheduled close, the NAV may be determined as of the regularly scheduled close of the NYSE pursuant to the Fund's Valuation Policies and
Procedures. The time at which shares and transactions are priced and until which orders are accepted may vary to the extent permitted
by the Securities and Exchange Commission and applicable regulations. On holidays or other days when the NYSE is closed, the NAV is not
calculated. Trading of securities that are primarily listed on foreign exchanges may take place on weekends and U.S. business holidays
on which the Fund&#8217;s NAV is not calculated. Consequently, the Fund&#8217;s portfolio securities may trade and the NAV of the Fund&#8217;s
Common Shares may be significantly affected on days when a shareholder will not be able to purchase or sell the Fund&#8217;s Common Shares.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 9pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">Portfolio securities are valued by various methods
that are generally described below. Portfolio securities also may be fair valued by the Fund&#8217;s Pricing Committee in certain instances
pursuant to procedures established by the Trustees. Equity securities are generally valued at the last sale price or, for certain markets,
the official closing price as of the close of the relevant exchange. Securities not traded on a particular day are valued using last
available bid prices. A security that is listed or traded on more than one exchange is typically valued at the price on the exchange
where the security was acquired or most likely will be sold. In certain instances, the Pricing Committee may determine to value equity
securities using prices obtained from another exchange or market if trading on the exchange or market on which prices are typically obtained
did not open for trading as scheduled, or if trading closed earlier than scheduled, and trading occurred as normal on another exchange
or market. Equity securities traded principally in foreign markets are typically valued using the last sale price or official closing
price in the relevant exchange or market, as adjusted by an independent pricing vendor to reflect fair value. On any day a foreign market
is closed and the NYSE is open, any foreign securities will typically be valued using the last price or official closing price obtained
from the relevant exchange on the prior business day adjusted based on information provided by an independent pricing vendor to reflect
fair value. Debt obligations are typically valued based on evaluated prices provided by an independent pricing vendor. The value of securities
denominated in foreign currencies is converted into U.S. dollars at the exchange rate supplied by an independent pricing vendor. Forward
foreign currency contracts are valued at the prevailing forward rates which are based on foreign currency exchange spot rates and forward
points supplied by an independent pricing vendor. Exchange-traded options are valued at the mid-price of the last quoted bid and ask
prices. Futures contracts whose settlement prices are determined as of the close of the NYSE are typically valued based on the settlement
price while other futures contracts are typically valued at the last traded price on the exchange on which they trade. Foreign equity
index futures that trade in the electronic trading market subsequent to the close of regular trading may be valued</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">at the last traded price in the electronic
trading market as of the close of the NYSE, or may be fair valued based on fair value adjustment factors provided by an independent
pricing vendor in order to adjust for events that may occur between the close of foreign exchanges or markets and the close of the
NYSE. Swaps and unlisted options are generally valued using evaluated prices obtained from an independent pricing vendor. Shares of
open-end investment companies that are not exchange-traded funds (&#8220;ETFs&#8221;) held by the Fund are valued based on the NAVs
of such other investment companies.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 9pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">Pricing vendors may use matrix pricing or valuation
models that utilize certain inputs and assumptions to derive values, including transaction data, broker-dealer quotations, credit quality
information, general market conditions, news, and other factors and assumptions. The Fund may receive different prices when it sells odd-lot
positions than it would receive for sales of institutional round lot positions. Pricing vendors generally value securities assuming orderly
transactions of institutional round lot sizes, but the Fund may hold or transact in such securities in smaller, odd lot sizes.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 9pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">The Pricing Committee engages in oversight activities
with respect to the Fund&#8217;s pricing vendors, which includes, among other things, monitoring significant or unusual price fluctuations
above predetermined tolerance levels from the prior day, back-testing of pricing vendor prices against actual trades, conducting periodic
due diligence meetings and reviews, and periodically reviewing the inputs, assumptions and methodologies used by these vendors. Nevertheless,
market quotations, official closing prices, or information furnished by a pricing vendor could be inaccurate, which could lead to a security
being valued incorrectly.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 9pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">If market quotations, official closing prices,
or information furnished by a pricing vendor are not readily available or are otherwise deemed unreliable or not representative of the
fair value of such security because of market- or issuer-specific events, a security will be valued at its fair value as determined in
good faith by the Trustees. The Trustees are assisted in their responsibility to fair value securities by the Fund&#8217;s Pricing Committee,
and the actual calculation of a security&#8217;s fair value may be made by the Pricing Committee acting pursuant to the procedures established
by the Trustees. In certain instances, therefore, the Pricing Committee may determine that a reported valuation does not reflect fair
value, based on additional information available or other factors, and may accordingly determine in good faith the fair value of the assets,
which may differ from the reported valuation.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 9pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">Fair value pricing of securities is intended to
help ensure that the Fund&#8217;s NAV reflects the fair market value of the Fund&#8217;s portfolio securities as of the close of regular
trading on the NYSE (as opposed to a value that no longer reflects market value as of such close). The use of fair value pricing has the
effect of valuing a security based upon the price the Fund might reasonably expect to receive if it sold that security in an orderly transaction
between market participants, but does not guarantee that the security can be sold at the fair value price. Further, because of the inherent
uncertainty and subjective nature of fair valuation, a fair valuation price may differ significantly from the value that would have been
used had a readily available market price for the investment existed and these differences could be material.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 9pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">Regarding the Fund&#8217;s investment in an open-end
investment company that is not an ETF, which (as noted above) is valued at such investment company&#8217;s NAV, the prospectus for such
investment company explains the circumstances and effects of fair value pricing for that investment company.</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 3pt; text-align: center"><A NAME="tocpro_012"></A>Distribution Policy</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund makes regular quarterly distributions to Common
Shareholders sourced from the Fund&#8217;s cash available for distribution. &#8220;Cash available for distribution&#8221; consists of
the Fund&#8217;s (i) investment company taxable income, which includes among other things, dividend and ordinary income after payment
of Fund expenses, the excess of net short-term capital gain over net long-term capital loss, and income from certain hedging and interest
rate transactions and (ii) net long-term capital gain (gain from the sale of capital assets held longer than one year). The Board may
modify this distribution policy at any time without obtaining the approval of Common Shareholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Expenses of the Fund are accrued each day. To the extent
that the Fund&#8217;s net investment income for any year exceeds the total quarterly distributions paid during the year, the Fund may
make a special distribution at or near year-end of such excess amount as may be required. If it does, over time, all of the Fund&#8217;s
investment company taxable income will be distributed.</P>





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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">If, for any calendar year, as discussed above,
the total distributions made exceed the Fund&#8217;s net investment taxable income and net capital gain, the excess generally will
be treated as a return of capital to each Common Shareholder (up to the amount of the Common Shareholder&#8217;s basis in his or her
Common Shares) and thereafter as gain from the sale of Common Shares. The amount treated as a return of capital reduces the Common
Shareholder&#8217;s adjusted basis in his or her Common Shares, thereby increasing his or her potential gain or reducing his or her
potential loss on the subsequent sale of his or her Common Shares. Distributions in any year may include a substantial return of
capital component.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Pursuant to the requirements of the 1940 Act, in the
event the Fund makes distributions from sources other than income, a notice will accompany each quarterly distribution with respect to
the estimated source of the distribution made. Such notices will describe the portion, if any, of the quarterly dividend which, in the
Fund&#8217;s good faith judgment, constitutes long-term capital gain, short-term capital gain, net investment income or a return of capital.
The actual character of such dividend distributions for U.S. federal income tax purposes, however, will only be determined finally by
the Fund at the close of its fiscal year, based on the Fund&#8217;s full year performance and its actual net investment company taxable
income and net capital gain for the year, which may result in a recharacterization of amounts distributed during such fiscal year from
the characterization in the quarterly estimates.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">At least annually, the Fund intends to distribute any
net capital gain (which is the excess of net long-term capital gain over net short-term capital loss) or, alternatively, to retain all
or a portion of the year&#8217;s net capital gain and pay U.S. federal income tax on the retained gain. As provided under U.S. federal
tax law, Common Shareholders of record as of the end of the Fund&#8217;s taxable year will include their attributable share of the retained
gain in their income for the year as a long-term capital gain, and will be entitled to a tax credit or refund for the tax deemed paid
on their behalf by the Fund. The Fund may treat the cash value of tax credit and refund amounts in connection with retained capital gain
as a substitute for equivalent cash distributions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The tax treatment and characterization of the Fund&#8217;s
distributions may vary substantially from time to time because of the varied nature of the Fund&#8217;s investments. If the Fund&#8217;s
total quarterly distributions in any year exceed the amount of its net investment taxable income for the year, any such excess would be
characterized as a return of capital for U.S. federal income tax purposes to the extent not designated as a capital gain dividend. Distributions
in any year may include a substantial return of capital component. Under the 1940 Act, for any distribution that includes amounts from
sources other than net income (calculated on a book basis), the Fund is required to provide Common Shareholders a written statement regarding
the components of such distribution. Such a statement will be provided at the time of any distribution believed to include any such amounts.
A return of capital is a distribution to Common Shareholders that is not attributable to the Fund&#8217;s earnings but, represents a return
of part of the Common Shareholder&#8217;s investment. If the Fund&#8217;s distributions exceed the Fund&#8217;s current and accumulated
earnings and profits, such excess will be treated first as a return of capital to the extent of the shareholder&#8217;s tax basis in Common
Shares (thus reducing a shareholder&#8217;s adjusted tax basis in his or her Common Shares), and thereafter as capital gain assuming Common
Shares are held as a capital asset. Upon the sale of Common Shares, a shareholder generally will recognize capital gain or loss equal
to the difference between the amount realized on the sale and the shareholder&#8217;s adjusted tax basis in Common Shares sold. For example,
in year one, a Common Shareholder purchased 100 shares of the Fund at $10 per Share. In year two, the Common Shareholder received a $1-per-share
return of capital distribution, which reduced the basis in each share by $1, to give the Common Shareholder an adjusted basis of $9 per
share. In year three, the Common Shareholder sells the 100 shares for $15 per Share. Assuming no other transactions during this period,
a Common Shareholder would have a capital gain in year three of $6 per share ($15 minus $9) for a total capital gain of $600.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund has adopted a managed distribution plan (Plan).
Under the Plan, the Fund makes quarterly distributions of an amount equal to $0.5500 per share, which will be paid quarterly until further
notice. The Fund may make additional distributions: (i) for purposes of not incurring federal income tax at the Fund level of investment
company taxable income and net capital gain, if any, not included in such regular distributions; and (ii) for purposes of not incurring
federal excise tax on ordinary income and capital gain net income, if any, not included in such regular distributions. The Plan provides
that the Board of Trustees of the Fund may amend the terms of the Plan or terminate the Plan at any time without prior notice to the Fund&#8217;s
shareholders. The Plan is subject to periodic review by the fund&#8217;s Board of Trustees.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Distribution rates are based on projected quarterly
cash available for distribution, which may result in fluctuations in quarterly rates. As a result, the distributions paid by the Fund
for any particular quarter may be more or less than the amount of cash available for distribution from that quarterly period. In certain
circumstances, the Fund may be required to sell a portion of its investment portfolio to fund distributions. Distributions will reduce
the Common Shares&#8217; NAV.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Common Shareholders may automatically reinvest some
or all of their distributions in additional Common Shares under the Fund&#8217;s dividend reinvestment plan. See &#8220;Dividend Reinvestment
Plan.&#8221;</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: center"><A NAME="tocpro_013"></A>Dividend Reinvestment Plan</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Pursuant to the Fund&#8217;s Dividend Reinvestment
Plan (the &#8220;Plan&#8221;), distributions of dividends and capital gain are automatically reinvested in Common Shares by Computershare Trust Company, N.A. (the &#8220;Plan Agent&#8221;). Every shareholder holding at least one full share of the Fund is automatically enrolled in the Plan.
Shareholders who do not participate in the Plan will receive all distributions in cash.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">If the Fund declares a dividend or distribution payable
either in cash or in Common Shares and the market price of shares on the payment date for the distribution or dividend equals or exceeds
the Fund&#8217;s NAV per share, the Fund will issue Common Shares to participants at a value equal to the higher of NAV or 95% of the
market price. The number of additional Common Shares to be credited to each participant&#8217;s account will be determined by dividing
the dollar amount of the distribution or dividend by the higher of NAV or 95% of the market price. If the market price is lower than NAV,
or if dividends or distributions are payable only in cash, then participants will receive Common Shares purchased by the Plan Agent on
participants&#8217; behalf on the NYSE or otherwise on the open market. If the market price exceeds NAV before the Plan Agent has completed
its purchases, the average per share purchase price may exceed NAV, resulting in fewer Common Shares being acquired than if the Fund had
issued new Common Shares.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">There are no brokerage charges with respect to Common
Shares issued directly by the Fund. However, whenever shares are purchased or sold on the NYSE or otherwise on the open market, each participant
will pay a <I>pro rata </I>portion of brokerage trading fees, currently $0.05 per share purchased or sold. Brokerage trading fees will
be deducted from amounts to be invested.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The reinvestment of dividends and net capital gain
distributions does not relieve participants of any income tax that may be payable on such dividends or distributions even though cash
is not received by the participant.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Shareholders participating in the Plan may buy additional
Common Shares of the Fund through the Plan at any time in amounts of at least $50 per investment, up to a maximum of $10,000, with a total
calendar year limit of $100,000. Shareholders will be charged a $5 transaction fee plus $0.05 per share brokerage trading fee for each
order. Purchases of additional shares of the Fund will be made on the open market. Shareholders who elect to utilize monthly electronic
fund transfers to buy additional shares of the Fund will be charged a $2 transaction fee plus $0.05 per share brokerage trading fee for
each automatic purchase. Shareholders also can sell Fund shares held in the Plan account at any time by contacting the Plan Agent by telephone,
in writing or by visiting the Plan Agent&#8217;s website at www.computershare.com/investor The Plan Agent will mail a check (less applicable
brokerage trading fees) on settlement date (two business days after the shares have been sold). If shareholders choose to sell shares
through their stockbroker, they will need to request that the Plan Agent electronically transfer those shares to their stockbroker through
the Direct Registration System.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Shareholders participating in the Plan may elect to
receive all distributions in cash by withdrawing from the Plan at any time by contacting the Plan Agent by telephone, in writing or by
visiting the Plan Agent&#8217;s website at www.computershare.com/investor. Such termination will be effective immediately if the notice
is received by the Plan Agent prior to any dividend or distribution record date; otherwise, such termination will be effective on the
first trading day after the payment date for such dividend or distribution, with respect to any subsequent dividend or distribution. If
you withdraw, your shares will be credited to your account; or, if you wish, the Plan Agent will sell your full and fractional shares
and send you the proceeds, less a transaction fee of $5.00 and less brokerage trading fees of $0.05 per share. If a shareholder does not
maintain at least one whole share of common stock in the Plan account, the Plan Agent may terminate such shareholder&#8217;s participation
in the Plan after written notice. Upon termination, shareholders will be sent a check for the cash value of any fractional share in the
Plan account, less any applicable broker commissions and taxes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Shareholders who hold at least one full share of the
Fund may join the Plan by notifying the Plan Agent by telephone, in writing or by visiting the Plan Agent&#8217;s website at www.computershare.com/investor.
If received in proper form by the Plan Agent before the record date of a dividend, the election will be effective with respect to all
dividends paid after such record date. If you wish to participate in the Plan and your shares are held in the name of a brokerage firm,
bank or other nominee, please contact your nominee to see if it will participate in the Plan for you. If you wish to participate in the
Plan, but your brokerage firm, bank or other nominee is unable to participate on your behalf, you</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">will need to request that your shares
be re-registered in your own name, or you will not be able to participate. The Plan Agent will administer the Plan on the basis of the
number of shares certified from time to time by you as representing the total amount registered in your name and held for your account
by your nominee.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Experience under the Plan may indicate that
changes are desirable. Accordingly, the Fund and the Plan Agent reserve the right to amend or terminate the Plan. Participants
generally will receive written notice at least 90 days before the effective date of any amendment. In the case of termination,
participants will receive written notice at least 90 days before the record date for the payment of any dividend or distribution by
the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">All correspondence or additional information about
the Plan should be directed to Computershare Trust Company, N.A. (Telephone: 800-852-0218 (within the U.S. and Canada), 201-680-6578 (International
Telephone Inquiries), and 201-680-6610 (For the Hearing Impaired (TDD)).</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 3pt; text-align: center"><A NAME="tocpro_014"></A>Closed-End Fund Structure</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Closed-end funds differ from open-end management investment
companies (which generally are referred to as &#8220;mutual funds&#8221;) in that closed-end funds generally list their shares for trading
on a securities exchange and do not redeem their shares at the option of the shareholder. Mutual funds do not trade on securities exchanges
and issue securities redeemable at the option of the shareholder. The continuous outflows of assets in a mutual fund can make it difficult
to manage the fund&#8217;s investments. Closed-end funds generally are able to stay more fully invested in securities that are consistent
with their investment objective and also have greater flexibility to make certain types of investments and to use certain investment strategies,
such as financial leverage and investments in illiquid securities. The Fund&#8217;s Common Shares are designed primarily for long-term
investors; you should not purchase Common Shares if you intend to sell them shortly after purchase.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Common shares of closed-end funds frequently trade
at prices lower than their NAV. Since inception, the market price of the Common Shares has fluctuated and at times has traded below the
Fund&#8217;s NAV and at times has traded above the Fund&#8217;s NAV. The Fund cannot predict whether in the future the Common Shares will
trade at, above or below NAV. In addition to NAV, the market price of the Fund&#8217;s Common Shares may be affected by such factors as
the Fund&#8217;s dividend stability, dividend levels, which are in turn affected by expenses, and market supply and demand.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In recognition of the possibility that Common Shares
may trade at a discount from their NAV, and that any such discount may not be in the best interest of Common Shareholders, the Board,
in consultation with the Advisor, from time to time may review possible actions to reduce any such discount. There can be no assurance
that the Board will decide to undertake any of these actions or that, if undertaken, such actions would result in Common Shares trading
at a price equal to or close to NAV per Common Share. In the event that the Fund conducts an offering of new Common Shares and such offering
constitutes a &#8220;distribution&#8221; under Regulation M, the Fund and certain of its affiliates may be subject to an applicable restricted
period that could limit the timing of any repurchases by the Fund.</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 3pt; text-align: center"><A NAME="tocpro_015"></A>U.S. Federal Income Tax Matters</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The following discussion of U.S. federal income tax
matters is based on the advice of K&amp;L Gates LLP. The Fund has elected to be treated and to qualify each year as a regulated investment
company (a &#8220;RIC&#8221;) under the Code. Accordingly, the Fund intends to satisfy certain requirements relating to sources of its
income and diversification of its total assets and to distribute substantially all of its net income and net short-term capital gain (after
reduction by net long-term capital loss and any available capital loss carryforwards) in accordance with the timing requirements imposed
by the Code, so as to maintain its RIC status and to avoid paying U.S. federal income or excise tax thereon. To the extent it qualifies
for treatment as a RIC and satisfies the above-mentioned distribution requirements, the Fund will not be subject to U.S. federal income
tax on income paid to its shareholders in the form of dividends or capital gain distributions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">At least annually, the Fund intends to distribute any
net capital gain (which is the excess of net long-term capital gain over net short-term capital loss) or, alternatively, to retain all
or a portion of the year&#8217;s net capital gain and pay U.S. federal income tax on the retained gain. As provided under U.S. federal
tax law, Common Shareholders of record as of the end of the Fund&#8217;s taxable year will include their attributable share of the retained
gain in their income for the year as long-term capital gain (regardless of holding period in Common Shares), and will be entitled to a
tax credit or refund for the tax paid on their behalf by the Fund. Common Shareholders of record for the retained capital gain also will
be entitled to increase their tax basis in their Common Shares by an amount equal to the deemed distribution less the tax credit. Distributions
of the Fund&#8217;s net capital gain (&#8220;capital gain distributions&#8221;), if any, are taxable to Common</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Shareholders as long-term
capital gain, regardless of their holding period in Common Shares. Distributions of the Fund&#8217;s net realized short-term capital gain
will be taxable as ordinary income.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">If, for any calendar year, the Fund&#8217;s total
distributions exceed the Fund&#8217;s current and accumulated earnings and profits, the excess will be treated as a return of capital
to each Common Shareholder (up to the amount of the Common Shareholder&#8217;s basis in his or her Common Shares) and thereafter as gain
from the sale of Common Shares (assuming Common Shares are held as a capital asset). The amount treated as a return of capital reduces
the Common Shareholder&#8217;s adjusted basis in his or her Common Shares, thereby increasing his or her potential gain or reducing his
or her potential loss on the subsequent sale or other disposition of his or her Common Shares. See below for a summary of the current
maximum tax rates applicable to long-term capital gain (including capital gain distributions).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">For federal income tax purposes, the Fund is generally
permitted to carry forward a net capital loss incurred in any taxable year, for an unlimited period to offset net capital gains, if any,
during its taxable years following the year of the loss. Capital losses carried forward will retain their character as either short-term
or long-term capital losses. To the extent subsequent net capital gains are offset by such losses, they would not result in federal income
tax liability to the Fund and would not be distributed as such to shareholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">To qualify as a RIC for income tax purposes, the Fund
must derive at least 90% of its annual gross income from dividends, interest, payments with respect to securities loans, gain from the
sale or other disposition of stock, securities or foreign currencies, or other income (including, but not limited to, gain from options,
futures or forward contracts) derived with respect to its business of investing in stock, securities and currencies, and net income derived
from an interest in a qualified publicly traded partnership. A &#8220;qualified publicly traded partnership&#8221; is a publicly traded
partnership that meets certain requirements with respect to the nature of its income. To qualify as a RIC, the Fund must also satisfy
certain requirements with respect to the diversification of its assets. The Fund must have, at the close of each quarter of the taxable
year, at least 50% of the value of its total assets represented by cash, cash items, U.S. government securities, securities of other regulated
investment companies, and other securities that, in respect of any one issuer, do not represent more than 5% of the value of the assets
of the Fund nor more than 10% of the voting securities of that issuer. In addition, at those times not more than 25% of the value of the
Fund&#8217;s assets can be invested in securities (other than U.S. government securities or the securities of other regulated investment
companies) of any one issuer, or of two or more issuers, which the Fund controls and which are engaged in the same or similar trades or
businesses or related trades or businesses, or of one or more qualified publicly traded partnerships. If the Fund fails to meet the annual
gross income test described above, the Fund will nevertheless be considered to have satisfied the test if (i) (a) such failure is due
to reasonable cause and not due to willful neglect and (b) the Fund reports the failure, and (ii) the Fund pays an excise tax equal to
the excess non-qualifying income. If the Fund fails to meet the asset diversification test described above with respect to any quarter,
the Fund will nevertheless be considered to have satisfied the requirements for such quarter if the Fund cures such failure within 6 months
and either (i) such failure is <I>de minimis </I>or (ii) (a) such failure is due to reasonable cause and not due to willful neglect and
(b) the Fund reports the failure and pays an excise tax.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">As a RIC, the Fund generally will not be subject to
federal income tax on its investment company taxable income (as that term is defined in the Code, but without regard to the deductions
for dividend paid) and net capital gain (the excess of net long-term capital gain over net short-term capital loss), if any, that it distributes
in each taxable year to its shareholders, provided that it distributes at least the sum of 90% of its investment company taxable income
and 90% of its net tax-exempt interest income for such taxable year. The Fund intends to distribute to its shareholders, at least annually,
substantially all of its investment company taxable income, net tax-exempt income and net capital gain. In order to avoid incurring a
nondeductible 4% federal excise tax obligation, the Code requires that the Fund distribute (or be deemed to have distributed) by December
31 of each calendar year an amount at least equal to the sum of (i) 98% of its ordinary income for such year, (ii) 98.2% of its capital
gain net income (which is the excess of its realized net long-term capital gain over its realized net short-term capital loss), generally
computed on the basis of the one-year period ending on December 31 of such year, after reduction by any available capital loss carryforwards
and (iii) 100% of any ordinary income and capital gain net income from the prior year (as previously computed) that were not paid out
during such year and on which the Fund paid no U.S. federal income tax.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">If the Fund does not qualify as a RIC for any taxable
year, the Fund&#8217;s taxable income will be subject to corporate income taxes, and all distributions from earnings and profits, including
distributions of net capital gain (if any), will be taxable to the shareholder as ordinary income. Such distributions generally would
be eligible (i) to be treated as qualified dividend income in the case of individual and other non-corporate shareholders and (ii) for
the dividends received deduction (&#8220;DRD&#8221;) in the case of corporate shareholders. In addition, in order to requalify for taxation
as a RIC, the Fund may be required to recognize unrealized gain, pay substantial taxes and interest, and make certain distributions.</P>




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    <!-- Field: /Page -->


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Certain of the Fund&#8217;s investment practices
are subject to special and complex U.S. federal income tax provisions that may, among other things, (i) convert dividends that would
otherwise constitute qualified dividend income into ordinary income, (ii) treat dividends that would otherwise be eligible for the
corporate DRD as ineligible for such treatment, (iii) disallow, suspend or otherwise limit the allowance of certain loss or
deductions, (iv) convert long-term capital gain into short-term capital gain or ordinary income, (v) convert an ordinary loss or
deduction into a capital loss (the deductibility of which is more limited), (vi) cause the Fund to recognize income or gain without
a corresponding receipt of cash, (vii) adversely affect when a purchase or sale of stock or securities is deemed to occur, (viii)
adversely alter the characterization of certain complex financial transactions, and (ix) produce income that will not qualify as
good income for purposes of the income requirement that applies to RICs. While it may not always be successful in doing so, the Fund
will seek to avoid or minimize the adverse tax consequences of its investment practices.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may recognize gain (but not loss) from a constructive
sale of certain &#8220;appreciated financial positions&#8221; if the Fund enters into a short sale, offsetting notional principal contract,
or forward contract transaction with respect to the appreciated position or substantially identical property. Appreciated financial positions
subject to this constructive sale treatment include interests (including options and forward contracts and short sales) in stock and certain
other instruments. Constructive sale treatment does not apply if the transaction is closed out not later than thirty days after the end
of the taxable year in which the transaction was initiated, and the underlying appreciated securities position is held unhedged for at
least the next sixty days after the hedging transaction is closed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Gain or loss from a short sale of property generally
is considered as capital gain or loss to the extent the property used to close the short sale constitutes a capital asset in the Fund&#8217;s
hands. Except with respect to certain situations where the property used to close a short sale has a long-term holding period on the date
the short sale is entered into, gain on short sales generally are short-term capital gain. A loss on a short sale will be treated as a
long-term capital loss if, on the date of the short sale, &#8220;substantially identical property&#8221; has been held by the Fund for
more than one year. In addition, entering into a short sale may result in suspension of the holding period of &#8220;substantially identical
property&#8221; held by the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Gain or loss on a short sale generally will not be
realized until such time as the short sale is closed. However, as described above in the discussion of constructive sales, if the Fund
holds a short sale position with respect to securities that have appreciated in value, and it then acquires property that is the same
as or substantially identical to the property sold short, the Fund generally will recognize gain on the date it acquires such property
as if the short sale were closed on such date with such property. Similarly, if the Fund holds an appreciated financial position with
respect to securities and then enters into a short sale with respect to the same or substantially identical property, the Fund generally
will recognize gain as if the appreciated financial position were sold at its fair market value on the date it enters into the short sale.
The subsequent holding period for any appreciated financial position that is subject to these constructive sale rules will be determined
as if such position were acquired on the date of the constructive sale.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund will inform Common Shareholders of the source
and tax status of all distributions promptly after the close of each calendar year.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Selling Common Shareholders generally will recognize
gain or loss in an amount equal to the difference between the amount realized on the sale and the Common Shareholder&#8217;s adjusted
tax basis in the Common Shares sold. If Common Shares are held as a capital asset, the gain or loss will be a capital gain or loss. The
maximum tax rate applicable to net capital gain recognized by individuals and other non-corporate taxpayers is (i) the same as the maximum
ordinary income tax rate for gain recognized on the sale of capital assets held for one year or less (currently 37%), or (ii) for gain
recognized on the sale of capital assets held for more than one year (as well as any capital gain distributions), 20%, 15%, or 0% for
individuals depending on the amount of their taxable income for the year. An additional 3.8% Medicare tax will also apply in the case
of some individuals.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Any loss on a disposition of Common Shares held for
six months or less will be treated as a long-term capital loss to the extent of any capital gain distributions received with respect to
those Common Shares. For purposes of determining whether Common Shares have been held for six months or less, the holding period is suspended
for any periods during which the Common Shareholder&#8217;s risk of loss is diminished as a result of holding one or more other positions
in substantially similar or related property, or through certain options or short sales. Any loss realized on a sale or exchange of Common
Shares will be disallowed to the extent those Common Shares are replaced by other Common Shares within a period of 61 days beginning 30
days before and ending 30 days after the date of disposition of Common</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Shares (whether through the reinvestment of distributions or otherwise).
In that event, the basis of the replacement Common Shares will be adjusted to reflect the disallowed loss.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">An investor should be aware that, if Common Shares
are purchased shortly before the record date for any taxable distribution (including a capital gain distribution), the purchase price
likely will reflect the value of the distribution and the investor then would receive a taxable distribution that is likely to reduce
the trading value of such Common Shares, in effect resulting in a taxable return of some of the purchase price.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Taxable distributions to certain individuals and certain
other non-corporate Common Shareholders, including those who have not provided their correct taxpayer identification number and other
required certifications, may be subject to &#8220;backup&#8221; U.S. federal income tax withholding at the fourth lowest rate of tax applicable
to a single individual (24%). Backup withholding is not an additional tax. Any amounts withheld may be refunded or credited against such
shareholder&#8217;s U.S. federal income tax liability, if any, provided that the required information is furnished to the Internal Revenue
Service.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">An investor also should be aware that the benefits
of the reduced tax rate applicable to long-term capital gain and qualified dividend income may be impacted by the application of the alternative
minimum tax to individual shareholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund&#8217;s investments in non-U.S. securities
may be subject to foreign withholding taxes on dividends, interest, or capital gain, which will decrease the Fund&#8217;s yield. Foreign
withholding taxes may be reduced under income tax treaties between the U.S. and certain foreign jurisdictions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Depending on the number of non-U.S. shareholders in
the Fund, however, such reduced foreign withholding tax rates may not be available for investments in certain jurisdictions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The foregoing briefly summarizes some of the important
U.S. federal income tax consequences to Common Shareholders of investing in Common Shares, reflects the U.S. federal tax law as of the
date of this Prospectus, and does not address special tax rules applicable to certain types of investors, such as corporate and non-U.S.
investors. A more complete discussion of the tax rules applicable to the Fund and the Common Shareholders can be found in the SAI that
is incorporated by reference into this Prospectus. Unless otherwise noted, this discussion assumes that an investor is a U.S. person and
holds Common Shares as a capital asset. This discussion is based upon current provisions of the Code, the regulations promulgated thereunder,
and judicial and administrative ruling authorities, all of which are subject to change or differing interpretations by the courts or the
IRS retroactively or prospectively. Investors should consult their tax advisors regarding other U.S. federal, state or local tax considerations
that may be applicable in their particular circumstances, as well as any proposed tax law changes.</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 3pt; text-align: center"><A NAME="tocpro_016"></A>Plan of Distribution</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may sell the Common Shares being offered under
this Prospectus in any one or more of the following ways: (i) directly to purchasers; (ii) through agents; (iii) to or through underwriters;
or (iv) through dealers. The Prospectus Supplement relating to the offering will identify any agents, underwriters or dealers involved
in the offer or sale of Common Shares, and will set forth any applicable offering price, sales load, fee, commission or discount arrangement
between the Fund and its agents or underwriters, or among its underwriters, or the basis upon which such amount may be calculated, net
proceeds and use of proceeds, and the terms of any sale.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may distribute Common Shares from time to
time in one or more transactions at: (i) a fixed price or prices, which may be changed; (ii) market prices prevailing at the time of sale;
(iii) prices related to prevailing market prices; or (iv) negotiated prices; provided, however, that in each case the offering price per
Common Share (less any underwriting commission or discount) must equal or exceed the NAV per Common Share.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund from time to time may offer its Common Shares
through or to certain broker-dealers, including [______], that have entered into selected dealer agreements relating to at-the-market
offerings.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may directly solicit offers to purchase Common
Shares, or the Fund may designate agents to solicit such offers. The Fund will, in a Prospectus Supplement relating to such offering,
name any agent that could be viewed as an underwriter under the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;),
and describe any commissions the Fund must pay. Any such agent will be acting on a best efforts basis for the period of its appointment
or, if indicated</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">in the applicable Prospectus Supplement or other offering materials, on a firm commitment basis. Agents, dealers and
underwriters may be customers of, engage in transactions with, or perform services for the Fund in the ordinary course of business.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">If any underwriters or agents are used in the
sale of Common Shares in respect of which this Prospectus is delivered, the Fund will enter into an underwriting agreement or other
agreement with them at the time of sale to them, and the Fund will set forth in the Prospectus Supplement relating to such offering
their names and the terms of the Fund&#8217;s agreement with them.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">If a dealer is utilized in the sale of Common Shares
in respect of which this Prospectus is delivered, the Fund will sell such Common Shares to the dealer, as principal. The dealer may then
resell such Common Shares to the public at varying prices to be determined by such dealer at the time of resale.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may engage in at-the-market offerings to or
through a market maker or into an existing trading market, on an exchange or otherwise, in accordance with Rule 415(a)(4) under the Securities
Act. An at-the-market offering may be through an underwriter or underwriters acting as principal or agent for the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Agents, underwriters and dealers may be entitled under
agreements which they may enter into with the Fund to indemnification by the Fund against certain civil liabilities, including liabilities
under the Securities Act, and may be customers of, engage in transactions with or perform services for the Fund in the ordinary course
of business.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In order to facilitate the offering of Common Shares,
any underwriters may engage in transactions that stabilize, maintain or otherwise affect the price of Common Shares or any other Common
Shares the prices of which may be used to determine payments on the Common Shares. Specifically, any underwriters may over-allot in connection
with the offering, creating a short position for their own accounts. In addition, to cover over-allotments or to stabilize the price of
Common Shares or of any such other Common Shares, the underwriters may bid for, and purchase, Common Shares or any such other Common Shares
in the open market. Finally, in any offering of Common Shares through a syndicate of underwriters, the underwriting syndicate may reclaim
selling concessions allowed to an underwriter or a dealer for distributing Common Shares in the offering if the syndicate repurchases
previously distributed Common Shares in transactions to cover syndicate short positions, in stabilization transactions or otherwise. Any
of these activities may stabilize or maintain the market price of Common Shares above independent market levels. Any such underwriters
are not required to engage in these activities and may end any of these activities at any time.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may enter into derivative transactions with
third parties, or sell Common Shares not covered by this Prospectus to third parties in privately negotiated transactions. If the applicable
Prospectus Supplement indicates, in connection with those derivatives, the third parties may sell Common Shares covered by this Prospectus
and the applicable Prospectus Supplement or other offering materials, including in short sale transactions. If so, the third parties may
use Common Shares pledged by the Fund or borrowed from the Fund or others to settle those sales or to close out any related open borrowings
of securities, and may use Common Shares received from the Fund in settlement of those derivatives to close out any related open borrowings
of securities. The third parties in such sale transactions will be underwriters and, if not identified in this Prospectus, will be identified
in the applicable Prospectus Supplement or other offering materials (or a post-effective amendment).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund or one of the Fund&#8217;s affiliates may
loan or pledge Common Shares to a financial institution or other third party that in turn may sell Common Shares using this Prospectus.
Such financial institution or third party may transfer its short position to investors in Common Shares or in connection with a simultaneous
offering of other Common Shares offered by this Prospectus or otherwise.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The maximum amount of compensation to be received by
any member of the Financial Industry Regulatory Authority, Inc. will not exceed 8% of the initial gross proceeds from the sale of any
security being sold with respect to each particular offering of Common Shares made under a single Prospectus Supplement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Any underwriter, agent or dealer utilized in the initial
offering of Common Shares will not confirm sales to accounts over which it exercises discretionary authority without the prior specific
written approval of its customer.</P>




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<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><A NAME="tocpro_017"></A>Description of Capital Structure</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund is a business trust established under the
laws of The Commonwealth of Massachusetts by the Declaration of Trust. The Declaration of Trust provides that the Board may authorize
separate classes of shares of beneficial interest. The Board has authorized an unlimited number of Common Shares. The Fund holds annual
meetings of Common Shareholders in compliance with the requirements of the NYSE.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>COMMON SHARES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Declaration of Trust permits the Fund to issue
an unlimited number of full and fractional Common Shares of beneficial interest, with or without par value. Each Common Share represents
an equal proportionate interest in the assets of the Fund with each other Common Share in the Fund. Common Shareholders will be entitled
to the payment of distributions when, and if declared by the Fund. The 1940 Act or the terms of any future borrowings or issuance of preferred
shares may limit the payment of distributions to the Common Shareholders. Each whole Common Share is entitled to one vote and each fractional
Common Share is entitled to a proportionate fractional vote as to matters on which it is entitled to vote pursuant to the terms of the
Declaration of Trust. Upon termination of the Fund, after paying or adequately providing for the payment of all liabilities of the Fund
and the liquidation preference with respect to any outstanding preferred shares, and upon receipt of such releases, indemnities and refunding
agreements as the Trustees deem necessary , the Trustees may distribute the remaining assets of the Fund among the Common Shareholders.
The Declaration of Trust provides that Common Shareholders are not liable for any liabilities of the Fund, and indemnifies shareholders
against any such liability. Although shareholders of a business trust established under Massachusetts law, in certain limited circumstances,
may be held personally liable for the obligations of the business trust as though they were general partners, the provisions of the Declaration
of Trust described in the foregoing sentence make the likelihood of such personal liability remote. The Fund will not issue Common Share
certificates.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund has no current intention to issue preferred
shares. However, if at some future time there are any preferred shares outstanding, subject to certain exceptions, the Fund might not
be permitted to declare any cash distribution on its Common Shares, unless at the time of such declaration, (i) all accrued distributions
on preferred shares and any accrued interest on borrowings, if any, have been paid and (ii) the value of the Fund&#8217;s total assets
(determined after deducting the amount of such distribution), less all liabilities and indebtedness of the Fund not represented by senior
securities, is at least 300% of the aggregate amount of any securities representing indebtedness and at least 200% of the aggregate amount
of any securities representing indebtedness plus the aggregate liquidation value of the outstanding preferred shares. In addition to the
requirements of the 1940 Act, the Fund may be required to comply with other asset coverage requirements under a liquidity facility or
as a condition of the Fund obtaining a rating of preferred shares from a nationally recognized statistical rating organization (a &#8220;Rating
Agency&#8221;). These requirements may include an asset coverage test more stringent than under the 1940 Act. This limitation on the Fund&#8217;s
ability to make distributions on its Common Shares could in certain circumstances impair the ability of the Fund to maintain its qualification
for taxation as a RIC for U.S. federal income tax purposes. If the Fund were in the future to issue preferred shares, it would intend,
however, to the extent possible, to purchase or redeem preferred shares from time to time to maintain compliance with such asset coverage
requirements and may pay special distributions to the holders of the preferred shares in certain circumstances in connection with any
potential impairment of the Fund&#8217;s status as a RIC. Depending on the timing of any such redemption or repayment, the Fund may be
required to pay a premium in addition to the liquidation preference of the preferred shares to the holders thereof.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund has no present intention of offering additional
Common Shares, except as described herein. Other offerings of its Common Shares, if made, will require approval of the Board. Any additional
offering will not be sold at a price per Common Share below the then current NAV (exclusive of underwriting discounts and commissions)
except in connection with an offering to existing Common Shareholders or with the consent of a majority of the Fund&#8217;s outstanding
Common Shares. Common Shares have no preemptive rights.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>LIQUIDITY FACILITY</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund has entered into the LA with State
Street Bank and Trust Company (&quot;SSB&quot;) that allows it to borrow or otherwise access funds through a line of credit, securities
lending and reverse repurchase agreements. The Fund pledges its assets as collateral to secure obligations under the LA. The Fund retains
the risks and rewards of the ownership of assets pledged to secure obligations under the LA and makes these assets available for securities
lending and reverse repurchase transactions with SSB acting as the Fund's authorized agent for these transactions. All transactions initiated
through SSB are required to be secured with cash collateral received from the securities borrower</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">or cash is received from the reverse
repurchase agreement counterparties. Securities lending transactions (other than reverse repurchase) will be secured with cash collateral
in amounts at least equal to 100% of the market value of the securities utilized in these transactions. Cash received by SSB from securities
lending or reverse repurchase transactions is credited against the amounts borrowed under the line of credit.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Upon return of securities by the borrower or
reverse repurchase counterparty, SSB will return the cash collateral to the borrower or proceeds from the reverse repurchase
transaction, as applicable, which will eliminate the credit against the line of credit and will cause the drawdowns under the line
of credit to increase by the amounts returned. Income earned on the loaned securities is retained by SSB, and any interest due on
the reverse repurchase agreements is paid by SSB.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">SSB has indemnified the fund for certain losses
that may arise if the borrower or a reverse repurchase counterparty fails to return securities when due. With respect to securities lending
transactions, upon a default of the securities borrower, SSB uses the collateral received from the borrower to purchase replacement securities
of the same issue, type, class and series. If the value of the collateral is less than the purchase cost of replacement securities, SSB
is responsible for satisfying the shortfall, but only to the extent that the shortfall is not due to any of the fund's losses on the reinvested
cash collateral. Although the risk of the loss of the securities is mitigated by receiving collateral from the borrower or proceeds from
the reverse repurchase counterparty and through SSB indemnification, the fund could experience a delay in recovering securities or could
experience a lower than expected return if the borrower or reverse repurchase counterparty fails to return the securities on a timely
basis.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Under normal circumstances, interest charged is at
the rate of one month LIBOR (London Interbank Offered Rate) plus 0.60%, and is payable monthly on the aggregate balance of the drawdowns
outstanding under the LA. As of December 31, 2020, the Fund had an average daily loan balance of $125,000,000 at an average interest rate
of 1.14%.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">After the six month anniversary of the effective date
of the agreement, the Fund may terminate the LA with 60 days' notice. If certain asset coverage and collateral requirements, or other
covenants are not met, the LA could be deemed in default and result in termination. Absent a default or facility termination event, SSB
is required to provide the Fund with 360 days' notice prior to terminating the LA.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">By leveraging its investment portfolio, the Fund creates
an opportunity for increased net income or capital appreciation. However, the use of leverage also involves risks, which can be significant.
See &quot;Liquidity and Restricted Securities Risk.&quot;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>REPURCHASE OF SHARES AND OTHER DISCOUNT MEASURES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In recognition of the possibility that Common Shares
might trade at a discount to NAV and that any such discount may not be in the interest of the Fund&#8217;s shareholders, the Board, in
consultation with the Advisor, from time to time may review possible actions to help reduce any such discount. The Board, in consultation
with the Advisor, may review the possibility of open market repurchases and/or tender offers for the Common Shares and consider such factors
as the market price of the Common Shares, the NAV of the Common Shares, the liquidity of the assets of the Fund, effect on the Fund&#8217;s
expenses, whether such transactions would impair the Fund&#8217;s status as a RIC or result in a failure to comply with applicable asset
coverage requirements, general economic conditions and such other events or conditions, which may have a material effect on the Fund&#8217;s
ability to consummate such transactions. There are no assurances that the Board will, in fact, decide to undertake either of these actions
or, if undertaken, that such actions will result in the Fund&#8217;s Common Shares trading at a price which is equal to or approximates
their NAV.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In the event that the Fund conducts an offering of
new Common Shares and such offering constitutes a &#8220;distribution&#8221; under Regulation M, the Fund and certain of its affiliates
may be subject to an applicable restricted period that could limit the timing of any repurchases by the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>PREFERRED SHARES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Declaration of Trust authorizes the issuance of
an unlimited number of shares of beneficial interest with preference rights, including preferred shares (&#8220;Preferred Shares&#8221;),
having no par value per share or such other amount as the Board may establish, in one or more series, with rights as determined by the
Board, by action of the Board without the approval of the Common Shareholders. The Board has no current intention to issue Preferred Shares.</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Under the requirements of the 1940 Act, the Fund
must, immediately after the issuance of any Preferred Shares, have an &#8220;asset coverage&#8221; of at least 200%. Asset coverage
means the ratio which the value of the total assets of the Fund, less all liability and indebtedness not represented by senior
securities (as defined in the 1940 Act), bears to the aggregate amount of senior securities representing indebtedness of the Fund,
if any, plus the aggregate liquidation preference of the Preferred Shares. If the Fund seeks a rating of the Preferred Shares, asset
coverage requirements, in addition to those set forth in the 1940 Act, may be imposed. The liquidation value of the Preferred Shares
is expected to equal their aggregate original purchase price plus redemption premium, if any, together with any accrued and unpaid
dividends thereon (on a cumulative basis), whether or not earned or declared. The terms of the Preferred Shares, including their
dividend rate, voting rights, liquidation preference and redemption provisions, will be determined by the Board (subject to
applicable law and the Declaration of Trust) if and when it authorizes the Preferred Shares. The Fund may issue Preferred Shares
that provide for the periodic redetermination of the dividend rate at relatively short intervals through an auction or remarketing
procedure, although the terms of the Preferred Shares also may enable the Fund to lengthen such intervals. At times, the dividend
rate as redetermined on the Fund&#8217;s Preferred Shares may approach or exceed the Fund&#8217;s return after expenses on the
investment of proceeds from the Preferred Shares and the Fund&#8217;s leveraged capital structure would result in a lower rate of
return to Common Shareholders than if the Fund were not so structured.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In the event of any voluntary or involuntary liquidation,
dissolution or winding up of the Fund, the terms of any Preferred Shares may entitle the holders of Preferred Shares to receive a preferential
liquidating distribution (expected to equal the original purchase price per share plus redemption premium, if any, together with accrued
and unpaid dividends, whether or not earned or declared and on a cumulative basis) before any distribution of assets is made to Common
Shareholders. After payment of the full amount of the liquidating distribution to which they are entitled, the holders of Preferred Shares
would not be entitled to any further participation in any distribution of assets by the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Under the 1940 Act, if at any time dividends on the
Preferred Shares are unpaid in an amount equal to two full years&#8217; dividends thereon, the holders of all outstanding Preferred Shares,
voting as a class, will be allowed to elect a majority of the Fund&#8217;s Trustees until all dividends in default have been paid or declared
and set apart for payment. In addition, if required by the Rating Agency rating the Preferred Shares or if the Board determines it to
be in the best interests of the Common Shareholders, issuance of the Preferred Shares may result in more restrictive provisions than required
by the 1940 Act being imposed. In this regard, holders of the Preferred Shares may be entitled to elect a majority of the Board in other
circumstances, for example, if one payment on the Preferred Shares is in arrears.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">If the Fund were to issue Preferred Shares, it is expected
that the Fund would seek a credit rating for the Preferred Shares from a Rating Agency. In that case, as long as Preferred Shares are
outstanding, the composition of its portfolio would reflect guidelines established by such Rating Agency. Although, as of the date hereof,
no such Rating Agency has established guidelines relating to any such Preferred Shares, based on previous guidelines established by such
Rating Agencies for the securities of other issuers, the Fund anticipates that the guidelines with respect to the Preferred Shares would
establish a set of tests for portfolio composition and asset coverage that supplement (and in some cases are more restrictive than) the
applicable requirements under the 1940 Act. Although, at this time, no assurance can be given as to the nature or extent of the guidelines,
which may be imposed in connection with obtaining a rating of the Preferred Shares, the Fund currently anticipates that such guidelines
will include asset coverage requirements, which are more restrictive than those under the 1940 Act, restrictions on certain portfolio
investments and investment practices, requirements that the Fund maintain a portion of its total assets in short-term, high-quality, fixed-income
securities and certain mandatory redemption requirements relating to the Preferred Shares. No assurance can be given that the guidelines
actually imposed with respect to the Preferred Shares by such Rating Agency will be more or less restrictive than as described in this
Prospectus.</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 3pt; text-align: center"><A NAME="tocpro_018"></A>Certain Provisions in the Declaration
of Trust and By-Laws</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Under Massachusetts law, shareholders, in certain circumstances,
could be held personally liable for the obligations of the Fund. However, the Declaration of Trust contains an express disclaimer of shareholder
liability in connection with Fund property or the acts, obligations or affairs of the Fund and provides for indemnification out of the
assets of the Fund for all loss and expense of any shareholder held personally liable for the obligations of the Fund. Thus, the risk
of a shareholder incurring financial loss on account of shareholder liability is limited to circumstances in which the Fund would be unable
to meet its obligations. The Fund believes that the likelihood of such circumstances is remote.</P>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Declaration of Trust provides that the Trustees
may amend the Declaration of Trust without Common Shareholder approval to change the name of the Fund or to supply any omission, clear
any ambiguity or correct or supplement a defective or inconsistent provision. The Declaration of Trust does not permit amendments that
impair the exemption from personal liability of the shareholders, Trustees, officers, employees and agents of the Fund or permit assessments
upon shareholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The By-laws provide that the Trustees have the power,
to the exclusion of shareholders, to adopt, alter, amend or repeal any of the By-laws, except for any By-law that requires a vote of the
shareholders to be amended, adopted or repealed by the terms of the Declaration of Trust, By-laws or applicable law.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>ANTI-TAKEOVER PROVISIONS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Declaration of Trust and By-laws include provisions
that could have the effect of limiting the ability of other entities or persons to acquire control of the Fund or to change the composition
of its Board and could have the effect of depriving Common Shareholders of an opportunity to sell their Common Shares at a premium over
prevailing market prices by discouraging a third party from seeking to obtain control of the Fund. These provisions may have the effect
of discouraging attempts to acquire control of the Fund, which attempts could have the effect of increasing the expenses of the Fund and
interfering with the normal operation of the Fund. They provide, however, the advantage of potentially requiring persons seeking control
of the Fund to negotiate with its management regarding the price to be paid and facilitating the continuity of the Fund&#8217;s investment
objective and policies. The Board has considered and approved the following anti-takeover provisions. The following is only a summary
and is qualified in its entirety by reference to the Declaration of Trust and By-laws on file with the SEC.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The number of Trustees is currently twelve, but by
action of a majority of the Trustees, the Board may from time to time be increased or decreased. If the Fund issues Preferred Shares,
the Fund may establish a separate class for the Trustees elected by the holders of the Preferred Shares. Subject to applicable provisions
of the 1940 Act, vacancies on the Board may be filled by a majority action of the remaining Trustees. Such provisions may work to delay
a change in the majority of the Board.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Generally, the shareholders have power to vote only:
(a) for the election of Trustees; (b) with respect to any investment advisory or management contract; (c) with respect to a termination
of the Fund; (d) with respect to an amendment of the Declaration of Trust; (e) with respect to a merger, consolidation or sale of assets
of the Fund; (f) with respect to incorporation of the Fund; (g) to the same extent as the stockholders of a Massachusetts business corporation
as to whether or not a court action, proceeding or claim should or should not be brought or maintained derivatively or as a class action
on behalf of the Fund or the shareholders; and (h) with respect to such additional matters relating to the Fund as may be required by
the Declaration of Trust or the By-Laws or by reason of the registration of the Fund or the shares with the SEC or any state or by any
applicable law or any regulation or order of the SEC or any state or as the Trustees may consider necessary or desirable. On any matter
required or permitted to be voted on by the shareholders, all shares then entitled to vote shall be voted in the aggregate as a single
class without regard to class, except (i) when required by the Declaration of Trust, the By-Laws, the 1940 Act, or when the Trustees have
determined that any matter to be submitted to a vote of the shareholders affects the rights or interests of the shareholders of one or
more classes, if any, materially differently, shares shall be voted by each such affected class individually; and (ii) when the Trustees
shall have determined that the matter affects only the interests of one or more classes, then only the shareholders of such affected class
shall be entitled to vote thereon.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Additionally, the Fund&#8217;s By-laws contain certain
provisions that may tend to make a change of control of the Fund more difficult. For example, the By-laws (i) require a shareholder to
give written advance notice and other&nbsp;information to the Fund of the shareholder&#8217;s nominees for Trustees and proposals for
other business to be considered at annual shareholders&#8217; meetings, or in the event a shareholder proposes to seek a shareholder action
by written consent or requests a special meeting of shareholders; (ii) require any such notice by a shareholder to be accompanied by certain
information as provided in the By-laws; (iii) provide that Trustees may be nominated by shareholders only at an annual meeting of the
Fund or special meeting in lieu of an annual meeting; and (iv) reserve to the Trustees the exclusive power to alter, amend or repeal any
provision of the By-laws or to make new By-laws, except where the Declaration of Trust, By-laws or applicable law would also require a
shareholder vote to effect such alteration, amendment or repeal. The foregoing description of the By-laws is qualified in its entirety
by the full text of the Amended and Restated By-laws effective as of January 22, 2016, last amended March 10, 2016.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>POTENTIAL CONVERSION TO OPEN-END FUND</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Conversion of the Fund to an open-end management
investment company would require an amendment to the Fund&#8217;s Declaration of Trust. Such amendment would require approval by
each of the following: (i) a majority of the Trustees then in office, (ii) a majority of the outstanding voting securities, and
(iii) by such vote or votes of the holders of any class or classes or series of shares as may be required by the 1940 Act. In the
event of conversion, the Common Shares would cease to be listed on the NYSE or other national securities exchange or market system.
The Board believes, however, that the closed-end structure is desirable, given the Fund&#8217;s investment objective and policies.
Investors should assume, therefore, that it is unlikely that the Board would vote to convert the Fund to an open-end management
investment company. Shareholders of an open-end management investment company may require the company to redeem their shares at any
time (except in certain circumstances as authorized by or under the 1940 Act) at their NAV, less such redemption charge, if any, as
might be in effect at the time of a redemption. The Fund would expect to pay all such redemption requests in cash, but intends to
reserve the right to pay redemption requests in a combination of cash or securities. If such partial payment in securities were
made, investors may incur brokerage costs in converting such securities to cash. If the Fund were converted to an open-end fund, it
is likely that new Common Shares would be sold at NAV plus a sales load.</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 3pt; text-align: center"><A NAME="tocpro_019"></A>Reports to Shareholders</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund sends to its shareholders unaudited semi-annual
and audited annual reports, including a list of investments held.</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 3pt; text-align: center"><A NAME="tocpro_020"></A>Independent Registered Public
Accounting Firm</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">PricewaterhouseCoopers LLP, who has offices at 101 Seaport Boulevard, Suite 500, Boston Massachusetts 02210, is the
independent registered public accounting firm for the Fund and audits the Fund&#8217;s <A HREF="https://www.sec.gov/Archives/edgar/data/0000925683/000168386321000814/f7997d1.htm">financial statements</A>.</P>


<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 3pt; text-align: center"><A NAME="tocpro_024"></A>Incorporation by Reference</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">As noted above, this Prospectus is part of a registration statement filed
with the SEC. Pursuant to the final rule and form amendments adopted by the SEC&nbsp;on April 8, 2020 to implement certain provisions
of the Economic Growth,Regulatory Relief, and Consumer Protection Act, the Fund is permitted to&nbsp;&ldquo;incorporate by reference&rdquo;
the information filed with the SEC, which means that the Fund can disclose important information to you by referring you to&nbsp;those
documents. The information incorporated by reference is considered to be part of this Prospectus, and later information that the Fund
files with the&nbsp;SEC will automatically update and supersede this information.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">The documents listed below, and any reports
and other documents subsequently filed with the SEC pursuant to Rule 30(b)(2) under the 1940 Act and&nbsp;Sections 13(a), 13(c), 14 or
15(d) of the Exchange Act, prior to the termination of the offering will be incorporated by reference into this Prospectus and&nbsp;deemed
to be part of this Prospectus from the date of the filing of such reports and documents:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">- The Fund&rsquo;s Statement of Additional
Information, dated June 25, 2021, filed with this Prospectus;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">- The Fund&rsquo;s <A HREF="https://www.sec.gov/Archives/edgar/data/0000925683/000168386321000814/f7997d1.htm">Annual
Report</A> on Form N-CSR, filed on February 19, 2021;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">- The Fund&rsquo;s description of Common
Shares on Form 8-A, filed on June 17, 1994</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">You may obtain copies of any information incorporated by reference into
this Prospectus, at no charge, by calling 800-225-6020 (toll-free), from the Fund&rsquo;s website https://www.jhinvestments.com/investments/closed-end-fund/sector-funds/financial-opportunities-fund-ce-bto,
or from the SEC&rsquo;s website at sec.gov. The Fund&rsquo;s periodic reports filed pursuant to&nbsp;Section 30(b)(2) of the 1940 Act
and Sections 13 and 15(d) of the Exchange Act, as well as this Prospectus and the Statement of Additional Information, are&nbsp;available
on the Fund&rsquo;s website https://www.jhinvestments.com/investments/closed-end-fund/sector-funds/financial-opportunities-fund-ce-bto.
You also may obtain a copy of any information regarding the Fund filed with the SEC from the SEC&rsquo;s website (sec.gov).</P>
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<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt; text-align: center"><A NAME="tocpro_021"></A>Additional Information</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund has entered into contractual arrangements
with various parties that provide services to the Fund, which may include, among others, the Advisor, Subadvisor, Custodian, and transfer
agent, as described above and in the SAI. Fund shareholders are not parties to, or intended or &#8220;third-party&#8221; beneficiaries
of, any of these contractual arrangements. These contractual arrangements are not intended to, nor do they, create in any individual shareholder
or group of shareholders any right, either directly or on behalf of the fund, to either: (a) enforce such contracts against the service
providers; or (b) seek any remedy under such contracts against the service providers.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">This Prospectus provides information concerning the
Fund that you should consider in determining whether to purchase shares of the Fund. Each of this prospectus, the SAI, or any contract
that is an exhibit to the Fund&#8217;s registration statement, is not intended to, nor does it, give rise to an agreement or contract
between the Fund and any investor. Each such document also does not give rise to any contract or create rights in any individual shareholder,
group of shareholders, or other person. The foregoing disclosure should not be read to suggest any waiver of any rights conferred by federal
or state securities laws.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">This Prospectus and the SAI do not contain all of the
information set forth in the Registration Statement that the Fund has filed with the SEC (file No. ). The complete Registration Statement
may be obtained from the SEC at sec.gov. See the cover page of this Prospectus for information about how to obtain a paper copy of the
Registration Statement or SAI without charge.</P>


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<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt; text-align: center"><A NAME="tocpro_022"></A>Table of Contents of the Statement
of Additional Information</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; width: 90%; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; padding: 3pt 0; width: 10%; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;Page&#9;</U></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Organization of the Fund</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Additional Investment Policies and Risks</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Investment Restrictions</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Portfolio Turnover</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Those Responsible for Management</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Shareholders of the Fund</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Investment Advisory and Other Services</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Determination of Net Asset Value</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Brokerage Allocation</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Additional Information Concerning Taxes</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">42</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Other Information</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">49</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Custodian and Transfer Agent</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Independent Registered Public Accounting Firm</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Reports to Shareholders</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0">Incorporation by Reference</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0; text-align: center">50</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Legal and Regulatory Matters</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">51</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Codes of Ethics</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">51</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Additional Information</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">51</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Appendix A: Description of Ratings</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">A-1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Appendix B: Proxy Voting Policies and Procedures</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">B-1</FONT></TD></TR>
  </TABLE>

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<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt; text-align: center"><A NAME="tocpro_023"></A>The Fund&#8217;s Privacy Policy</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund is committed to maintaining the privacy of
its shareholders and to safeguarding their non-public personal information. The following information is provided to help you understand
what personal information the Fund collects, how the Fund protects that information and why, in certain cases, the Fund may share information
with select other parties.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Generally, the Fund does not receive any non-public
personal information relating to its shareholders, although certain non-public personal information of its shareholders may become available
to the Fund. The Fund does not disclose any non-public personal information about its shareholders or former shareholders to anyone, except
as permitted by law (which includes disclosure to employees necessary to service your account). The Fund may share information with unaffiliated
third parties that perform various required services, such as transfer agents, custodians and broker/dealers.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund restricts access to non-public personal information
about its shareholders to employees of the Fund&#8217;s investment advisor and its affiliates with a legitimate business need for the
information. The Fund maintains physical, electronic and procedural safeguards designed to protect the non-public personal information
of its shareholders.</P>


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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I><IMG SRC="image_002.jpg" ALT="John_Hancock_Investment_Management_stacked_black" STYLE="height: 115px; width: 307px"></I></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B> 1,500,000 Shares</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>John Hancock Financial Opportunities Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Common Shares</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>PROSPECTUS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>June 25, 2021</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">As of January 1, 2021, paper copies of the Fund&rsquo;s shareholder reports will
no longer be sent by mail. Instead, the reports will be made available on a website, and you will be notified and provided with a link
each time a report is posted to the website. You may request to receive paper reports from the Fund or from your financial intermediary,
free of charge, at any time. You may also request to receive documents through e-delivery.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>JOHN HANCOCK FINANCIAL OPPORTUNITIES FUND</B></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Statement of Additional Information</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">June 25, 2021</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">200 Berkeley Street</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Boston, Massachusetts 02116</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">800-225-6020</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><A NAME="toc1"></A>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0; width: 94%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A HREF="#tocsai_001">Organization
    of the Fund</A></B></FONT></TD>
    <TD STYLE="text-align: right; font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0; width: 6%">2</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A HREF="#tocsai_002">Additional
    Investment Policies and Risks</A></B></FONT></TD>
    <TD STYLE="text-align: right; font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0">2</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A HREF="#tocsai_003">Investment
    Restrictions</A></B></FONT></TD>
    <TD STYLE="text-align: right; font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0">19</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A HREF="#tocsai_004">Portfolio
    Turnover</A></B></FONT></TD>
    <TD STYLE="text-align: right; font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0">21</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A HREF="#tocsai_005">Those
    Responsible for Management</A></B></FONT></TD>
    <TD STYLE="text-align: right; font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0">21</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A HREF="#tocsai_006">Shareholders
    of the Fund</A></B></FONT></TD>
    <TD STYLE="text-align: right; font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0">31</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A HREF="#tocsai_007">Investment
    Advisory and Other Services</A></B></FONT></TD>
    <TD STYLE="text-align: right; font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0">31</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A HREF="#tocsai_008">Determination
    of Net Asset Value</A></B></FONT></TD>
    <TD STYLE="text-align: right; font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0">38</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A HREF="#tocsai_009">Brokerage
    Allocation</A></B></FONT></TD>
    <TD STYLE="text-align: right; font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0">39</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A HREF="#tocsai_010">Additional
    Information Concerning Taxes</A></B></FONT></TD>
    <TD STYLE="text-align: right; font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0">43</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A HREF="#tocsai_011">Other
    Information</A></B></FONT></TD>
    <TD STYLE="text-align: right; font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0">49</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A HREF="#tocsai_012">Custodian
    and Transfer Agent</A></B></FONT></TD>
    <TD STYLE="text-align: right; font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0">50</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A HREF="#tocsai_013">Independent
    Registered Public Accounting Firm</A></B></FONT></TD>
    <TD STYLE="text-align: right; font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0">50</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A HREF="#tocsai_014">Reports
    to Shareholders</A></B></FONT></TD>
    <TD STYLE="text-align: right; font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0">50</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A HREF="#tocsai_014a">Incorporation by Reference</A></B></FONT></TD>
    <TD STYLE="text-align: right; font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0">50</TD></TR>


  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A HREF="#tocsai_015">Legal
    and Regulatory Matters</A></B></FONT></TD>
    <TD STYLE="text-align: right; font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0">51</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A HREF="#tocsai_016">Codes
    of Ethics</A></B></FONT></TD>
    <TD STYLE="text-align: right; font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0">51</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A HREF="#tocsai_017">Additional
    Information</A></B></FONT></TD>
    <TD STYLE="text-align: right; font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0">51</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal"><A HREF="#tocsai_018">Appendix
    A: Description of Ratings</A></FONT></TD>
    <TD STYLE="text-align: right; font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal">A-1</FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal"><A HREF="#tocsai_019">Appendix
    B: Proxy Voting Policies and Procedures</A></FONT></TD>
    <TD STYLE="text-align: right; font: italic 10pt Arial, Helvetica, Sans-Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal">B-1</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">This Statement of Additional Information (&#8220;SAI&#8221;)
is not a prospectus and is authorized for distribution to prospective investors only if preceded or accompanied by the prospectus of John
Hancock Financial Opportunities Fund (the &#8220;Fund&#8221;) dated June 25, 2021 (the &#8220;Prospectus&#8221;) and any related supplement
thereto (&#8220;Prospectus Supplements&#8221;), which are incorporated herein by reference. This SAI should be read in conjunction with
such Prospectus and any related Prospectus Supplements, copies of which may be obtained without charge by contacting your financial intermediary
or calling the Fund at 800-225-6020.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Capitalized terms used in this SAI and not otherwise
defined have the meanings given them in the Fund&#8217;s Prospectus and any related Prospectus Supplements.</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><A NAME="tocsai_001"></A>Organization of the Fund</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund is a diversified, closed-end management investment
company registered under the Investment Company Act of 1940, as amended (the &#8220;1940 Act&#8221;). The Fund was organized on June
16, 1994 as a Massachusetts business trust pursuant to an Agreement and Declaration of Trust (as amended and restated from time to time,
the &#8220;Declaration of Trust&#8221;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">John Hancock Investment Management LLC (the &#8220;Advisor&#8221;
or &#8220;JHIM&#8221;) is the Fund&#8217;s investment advisor and is registered with the Securities and Exchange Commission (the &#8220;SEC&#8221;)
as an investment advisor under the Investment Advisers Act of 1940, as amended (the &#8220;Advisers Act&#8221;). The Advisor is responsible
for overseeing the management of the Fund, including its day-to-day business operations and monitoring the subadvisor. The Advisor has
been managing closed-end funds since 1971.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Founded in 1968, the Advisor is an indirect principally
owned subsidiary of John Hancock Life Insurance Company (U.S.A.), a subsidiary of Manulife Financial Corporation (&#8220;Manulife Financial&#8221;
or the &#8220;Company&#8221;). John Hancock Life Insurance Company (U.S.A.) and its subsidiaries (&#8220;John Hancock&#8221;) today offer
a broad range of financial products, including life insurance, annuities, investments, 401(k) plans, college savings plans, and certain
forms of business insurance. Additional information about John Hancock may be found on the Internet at johnhancock.com.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisor&#8217;s parent company has been helping
individuals and institutions work toward their financial goals since 1862. The Advisor offers investment solutions managed by institutional
money managers, taking a disciplined team approach to portfolio management and research, leveraging the expertise of seasoned investment
professionals.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Manulife Financial is a leading Canada-based financial
services group with principal operations in Asia, Canada and the United States. Operating as Manulife in Canada and Asia, and primarily
as John Hancock in the United States, the Manulife Financial group of companies offers clients a diverse range of financial protection
products and wealth management services through its extensive network of employees, agents, and distribution partners.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund&#8217;s subadvisor is Manulife Investment
Management (US) LLC (the &#8220;Subadvisor&#8221;), formerly John Hancock Asset Management a Division of Manulife Asset Management (US)
LLC). The Subadvisor is responsible for the day-to-day management of the Fund&#8217;s portfolio investments. The Subadvisor, organized
in 1968, is a wholly owned subsidiary of John Hancock Life Insurance Company (U.S.A.) (a subsidiary of Manulife Financial).</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><A NAME="tocsai_002"></A>Additional Investment Policies and Risks</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The principal strategies and risks of investing in
the Fund are described in the Prospectus. Unless otherwise stated in the Prospectus or this SAI, the investment objective and policies
of the Fund may be changed without shareholder approval. The Fund may invest in the instruments below, in accordance with its principal
and non-principal investment strategies and such instruments and investment policies apply to the Fund, but only if and to the extent
that such policies are consistent with and permitted by the Fund&#8217;s investment objective and policies. The Fund may also have indirect
exposure to the instruments described below through derivative contracts.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Ratings as Investment Criteria.</B> In general,
the ratings of Moody&#8217;s and S&amp;P represent the opinions of these agencies as to the quality of the securities which they rate.
It should be emphasized, however, that ratings are relative and subjective and are not absolute standards of quality. There is no guarantee
that these institutions will continue to provide ratings. These ratings will be used by the Fund as initial criteria for the selection
of debt securities. Among the factors which will be considered are the long-term ability of the issuer to pay principal and interest and
general economic trends. Appendix A contains further information concerning the ratings of Moody&#8217;s and S&amp;P and their significance.
Subsequent to its purchase by the Fund, an issue of securities may cease to be rated or its rating may be reduced below the minimum required
for purchase by the Fund. Neither of these events will require the sale of the securities by the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Repurchase Agreements, Reverse Repurchase Agreements,
and Sale-Buybacks. </B>Repurchase agreements are arrangements involving the purchase of an obligation and the simultaneous agreement to
resell the same obligation on</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">demand or at a specified future date and at an agreed-upon
price. A repurchase agreement can be viewed as a loan made by a fund to the seller of the obligation with such obligation serving as collateral
for the seller&#8217;s agreement to repay the amount borrowed with interest. Repurchase agreements provide the opportunity to earn a return
on cash that is only temporarily available. Repurchase agreements may be entered with banks, brokers, or dealers. However, a repurchase
agreement will only be entered with a broker or dealer if the broker or dealer agrees to deposit additional collateral should the value
of the obligation purchased decrease below the resale price.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><BR>
Generally, repurchase agreements are of a short duration, often less than one week but on occasion for longer periods. Securities subject
to repurchase agreements will be valued every business day and additional collateral will be requested if necessary so that the value
of the collateral is at least equal to the value of the repurchase obligation, including the interest accrued thereon.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">A subadvisor shall engage in a repurchase agreement
transaction only with those banks or broker dealers who meet the subadvisor&#8217;s quantitative and qualitative criteria regarding creditworthiness,
asset size and collateralization requirements. The Advisor also may engage in repurchase agreement transactions on behalf of the fund.
The counterparties to a repurchase agreement transaction are limited to a:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Federal Reserve System member bank;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>primary government securities dealer reporting to the Federal Reserve Bank of New York&#8217;s Market Reports Division;<BR>
or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>broker dealer that reports U.S. government securities positions to the Federal Reserve Board.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><BR>
A fund also may participate in repurchase agreement transactions utilizing the settlement services of clearing firms that meet the subadvisors&#8217;
creditworthiness requirements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The Advisor and the subadvisors will continuously monitor repurchase agreement
transactions to ensure that the</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">collateral held with respect to a repurchase agreement
equals or exceeds the amount of the obligation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The risk of a repurchase agreement transaction is limited to the ability
of the seller to pay the agreed-upon sum on the delivery date. In the event of bankruptcy or other default by the seller, the instrument
purchased may decline in value, interest payable on the instrument may be lost and there may be possible difficulties and delays in obtaining
collateral and delays and expense in liquidating the instrument. If an issuer of a repurchase agreement fails to repurchase the underlying
obligation, the loss, if any, would be the difference between the repurchase price and the underlying obligation&#8217;s market value.
A fund also might incur certain costs in liquidating the underlying obligation. Moreover, if bankruptcy or other insolvency proceedings
are commenced with respect to the seller, realization upon the underlying obligation might be delayed or limited.<BR>
<BR>
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Under a reverse repurchase agreement, a fund sells
a debt security and agrees to repurchase it at an agreed-upon time and at an agreed-upon price. The fund retains record ownership of the
security and the right to receive interest and principal payments thereon. At an agreed-upon future date, the fund repurchases the security
by remitting the proceeds previously received, plus interest. The difference between the amount the fund receives for the security and
the amount it pays on repurchase is payment of interest. In certain types of agreements, there is no agreed-upon repurchase date and interest
payments are calculated daily, often based on the prevailing overnight repurchase rate. A reverse repurchase agreement may be considered
a form of leveraging and may, therefore, increase fluctuations in a fund&#8217;s NAV per share. A fund will cover its repurchase agreement
transactions by maintaining in a segregated custodial account cash, Treasury bills, other U.S. government securities, or other liquid
assets having an aggregate value at least equal to the amount of such commitment to repurchase including accrued interest, until payment
is made.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">A fund may effect simultaneous purchase and sale transactions
that are known as &#8220;sale-buybacks.&#8221; A sale-buyback is similar to a reverse repurchase agreement, except that in a sale-buyback,
the counterparty that purchases the security is entitled to receive any principal or interest payments made on the underlying security
pending settlement of the fund&#8217;s repurchase of the underlying security. A fund&#8217;s obligations under a sale-buyback typically
would be offset by liquid assets equal in value to the amount of the fund&#8217;s forward commitment to repurchase the subject security.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Foreign Repurchase Agreements</B>. Foreign repurchase
agreements involve an agreement to purchase a foreign security and to sell that security back to the original seller at an agreed-upon
price in either U.S. dollars or foreign</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">currency. Unlike typical U.S. repurchase agreements,
foreign repurchase agreements may not be fully collateralized at all times. The value of a security purchased may be more or less than
the price at which the counterparty has agreed to repurchase the security. In the event of default by the counterparty, a fund may suffer
a loss if the value of the security purchased is less than the agreed-upon repurchase price, or if it is unable to successfully assert
a claim to the collateral under foreign laws. As a result, foreign repurchase agreements may involve higher credit risks than repurchase
agreements in U.S. markets, as well as risks associated with currency fluctuations. In addition, as with other emerging market investments,
repurchase agreements with counterparties located in emerging markets, or relating to emerging markets, may involve issuers or counterparties
with lower credit ratings than typical U.S. repurchase agreements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Short-Term Bank and Corporate Obligations.</B> The
Fund may invest in depository-type obligations of banks and savings and loan associations and other high-quality money market instruments
consisting of short-term obligations of the U.S. government or its agencies and commercial paper. Commercial paper represents short-term
unsecured promissory notes issued in bearer form by banks or bank holding companies, corporations and finance companies. Depository-type
obligations in which the Fund may invest include certificates of deposit, bankers&#8217; acceptances and fixed time deposits. Certificates
of deposit are negotiable certificates issued against funds deposited in a commercial bank for a definite period of time and earning a
specified return.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Bankers&#8217; acceptances are negotiable drafts or
bills of exchange, normally drawn by an importer or exporter to pay for specific merchandise, which are &#8220;accepted&#8221; by a bank,
meaning, in effect, that the bank unconditionally agrees to pay the face value of the instrument at maturity. Fixed time deposits are
bank obligations payable at a stated maturity date and bearing interest at a fixed rate. Fixed time deposits may be withdrawn on demand
by the investor, but may be subject to early withdrawal penalties which vary depending upon market conditions and the remaining maturity
of the obligation. There are no contractual restrictions on the right to transfer a beneficial interest in a fixed time deposit to a third
party, although there is no market for such deposits. Bank notes and bankers&#8217; acceptances rank junior to domestic deposit liabilities
of the bank and <I>pari passu </I>with other senior, unsecured obligations of the bank. Bank notes are not insured by the Federal Deposit
Insurance Corporation or any other insurer. Deposit notes are insured by the Federal Deposit Insurance Corporation only to the extent
of $100,000 per depositor per bank.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Preferred Securities.</B> The Fund may invest in
preferred securities. Preferred securities, like common stock, represent an equity ownership in an issuer. Generally, preferred securities
have a priority of claim over common stock in dividend payments and upon liquidation of the issuer. Unlike common stock, preferred securities
do not usually have voting rights. Preferred securities in some instances are convertible into common stock. Although they are equity
securities, preferred securities have characteristics of both debt and common stock. Like debt, their promised income is contractually
fixed. Like common stock, they do not have rights to precipitate bankruptcy proceedings or collection activities in the event of missed
payments. Other equity characteristics are their subordinated position in an issuer&#8217;s capital structure and that their quality and
value are heavily dependent on the profitability of the issuer rather than on any legal claims to specific assets or cash flows.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Distributions on preferred securities must be declared
by the board of directors and may be subject to deferral, and thus they may not be automatically payable. Income payments on preferred
securities may be cumulative, causing dividends and distributions to accrue even if not declared by the board or otherwise made payable,
or they may be non-cumulative, so that skipped dividends and distributions do not continue to accrue. There is no assurance that dividends
on preferred securities in which the Fund invests will be declared or otherwise made payable. The Fund may invest in non-cumulative preferred
securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Shares of preferred securities have a liquidation value
that generally equals the original purchase price at the date of issuance. The market values of preferred securities may be affected by
favorable and unfavorable changes impacting the issuers&#8217; industries or sectors, including companies in the utilities and financial
services sectors, which are prominent issuers of preferred securities. They may also be affected by actual and anticipated changes or
ambiguities in the tax status of the security and by actual and anticipated changes or ambiguities in tax laws, such as changes in corporate
and individual income tax rates, and in the dividends received deduction for corporate taxpayers or the characterization of dividends
as tax-advantaged as described herein.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Because the claim on an issuer&#8217;s earnings represented
by preferred securities may become onerous when interest rates fall below the rate payable on the stock or for other reasons, the issuer
may redeem preferred securities, generally after an initial period of call protection during which the stock is not redeemable. Thus,
in declining interest rate</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">environments in particular, the Fund&#8217;s holdings
of higher dividend-paying preferred securities may be reduced and the Fund may be unable to acquire securities paying comparable rates
with the redemption proceeds.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Foreign Government Securities. </B>Foreign government
securities include securities issued or guaranteed by foreign governments (including political subdivisions) or their authorities, agencies,
or instrumentalities or by supra-national agencies. Different kinds of foreign government securities have different kinds of government
support. For example, some foreign government securities are supported by the full faith and credit of a foreign national government or
political subdivision and some are not. Foreign government securities of some countries may involve varying degrees of credit risk as
a result of financial or political instability in those countries and the possible inability of the Fund to enforce its rights against
the foreign government issuer. As with other fixed income securities, sovereign issuers may be unable or unwilling to make timely principal
or interest payments. Supra-national agencies are agencies whose member nations make capital contributions to support the agencies&#8217;
activities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Investments in Non-U.S. Securities.</B> The Fund
may invest directly in the securities of non-U.S. issuers as well as securities in the form of sponsored or unsponsored American Depository
Receipts (&#8220;ADRs&#8221;), European Depository Receipts (&#8220;EDRs&#8221;) and Global Depository Receipts (&#8220;GDRs&#8221;) or
other securities convertible into non-U.S. securities. The Fund may invest up to 30% of its total assets in securities denominated in
non-U.S. currencies. ADRs are receipts typically issued by a U.S. bank or trust company which evidence ownership of underlying securities
issued by a non-U.S. corporation. EDRs are receipts issued in Europe which evidence a similar ownership arrangement. Issuers of unsponsored
ADRs are not contractually obligated to disclose material information, including financial information, in the United States. Generally,
ADRs are designed for use in the United States securities markets and EDRs are designed for use in European securities markets.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">An investment in non-U.S. securities including ADRs
may be affected by changes in currency rates and in exchange control regulations. Issuers of unsponsored ADRs are not contractually obligated
to disclose material information, including financial information, in the United States and, therefore, there may not be a correlation
between such information and the market value of the unsponsored ADR. Non-U.S. companies may not be subject to accounting standards or
government supervision comparable to U.S. companies, and there is often less publicly available information about their operations. Non-U.S.
companies may also be affected by political or financial instability abroad. These risk considerations may be intensified in the case
of investments in ADRs of non-U.S. companies that are located in emerging market countries. ADRs of companies located in these countries
may have limited marketability and may be subject to more abrupt or erratic price movements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Emerging Markets Risk.</I></B> In addition, the
Fund may invest in the securities of issuers based in countries with &#8220;emerging market&#8221; economies. Funds that invest a significant
portion of their assets in the securities of issuers based in countries with &#8220;emerging market&#8221; economies are subject to greater
levels of foreign investment risk than funds investing primarily in more-developed foreign markets, since emerging market securities may
present market, credit, currency, liquidity, legal, political and other risks greater than, or in addition to, the risks of investing
in developed foreign countries. These risks include: high currency exchange-rate fluctuations; increased risk of default (including both
government and private issuers); greater social, economic and political uncertainty and instability (including the risk of war); more
substantial governmental involvement in the economy; less governmental supervision and regulation of the securities markets and participants
in those markets; controls on foreign investment and limitations on repatriation of invested capital and on the Fund&#8217;s ability to
exchange local currencies for U.S. dollars; unavailability of currency hedging techniques in certain emerging market countries; the fact
that companies in emerging market countries may be newly organized, smaller and less seasoned; the difference in, or lack of, auditing
and financial reporting standards, which may result in the unavailability of material information about issuers; different clearance and
settlement procedures, which may be unable to keep pace with the volume of securities transactions or otherwise make it difficult to engage
in such transactions; difficulties in obtaining and/or enforcing legal judgments in foreign jurisdictions; and significantly smaller market
capitalizations of emerging market issuers.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>European Risk. </I></B>Countries in Europe
may be significantly affected by fiscal and monetary controls implemented by the European Union (&#8220;EU&#8221;) and European Economic
and Monetary Union (&#8220;EMU&#8221;), which require member countries to comply with restrictions on inflation rates, deficits, interest
rates, debt levels and fiscal and monetary controls. Decreasing imports or exports, changes in governmental or other regulations on trade,
changes in the exchange rate or dissolution of the Euro, the default or threat of default by one or more EU member countries on its sovereign
debt, and/or an economic recession in one or more EU member countries may have a significant adverse effect on the other European economies
and major trading partners outside Europe.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">In recent years, the European financial markets
have experienced volatility and adverse trends due to concerns about economic downturns, rising government debt levels and the possible
default of government debt in several European countries. The European Central Bank and IMF have previously bailed-out several European
countries. There is no guarantee that these institutions will continue to provide financial support, and markets may react adversely to
any reduction in financial support. A default or debt restructuring by any European country can adversely impact holders of that country&#8217;s
debt and sellers of credit default swaps linked to that country&#8217;s creditworthiness, which may be located in countries other than
those listed above, and can affect exposures to other EU countries and their financial companies as well.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Uncertainties regarding the viability of the EU have
impacted and may continue to impact markets in the United States and around the world. If one or more countries leave the EU or the EU
dissolves, securities markets would likely be significantly disrupted. On January 31, 2020, the UK left the EU, commonly referred to as
&#8220;Brexit,&#8221; and there commenced a transition period during which the EU and UK will negotiate and agree on the nature of their
future relationship. There is significant market uncertainty regarding Brexit&#8217;s ramifications, and the range and potential implications
of possible political, regulatory, economic, and market outcomes are difficult to predict. This uncertainty may affect other countries
in the EU and elsewhere, and may cause volatility within the EU, triggering prolonged economic downturns in certain countries within the
EU. It is also possible that various countries within the UK, such as Scotland or Northern Ireland, could seek to separate and remain
a part of the EU. Other secessionist movements including countries seeking to abandon the Euro or withdraw from the EU may cause volatility
and uncertainty in the EU.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">The UK has one of the largest economies in Europe
and is a major trading partner with the other EU countries and the United States. If implemented, Brexit might negatively affect The City
of London&#8217;s economy, which is heavily dominated by financial services, as banks might be forced to move staff and comply with two
separate sets of rules or lose business to banks in Continental Europe. In addition, Brexit would likely create additional economic stresses
for the UK, including the potential for decreased trade, capital outflows, devaluation of the British pound, wider corporate bond spreads
due to uncertainty, and declines in business and consumer spending as well as foreign direct investment. Brexit may also adversely affect
UK-based financial firms that have counterparties in the EU or participate in market infrastructure (trading venues, clearing houses,
settlement facilities) based in the EU. The events and the resulting market volatility may have an adverse effect on the performance of
the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">Investing in the securities of Eastern European
issuers is highly speculative and involves risks not usually associated with investing in the more developed markets of Western Europe.
Securities markets of Eastern European countries typically are less efficient and have lower trading volume, lower liquidity, and higher
volatility than more developed markets. Eastern European economies also may be particularly susceptible to disruption in the international
credit market due to their reliance on bank related inflows of capital.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">To the extent that the Fund invests in European securities,
it may be exposed to these risks through its direct investments in such securities, including sovereign debt, or indirectly through investments
in money market funds and financial institutions with significant investments in such securities. In addition, Russia&#8217;s increasing
international assertiveness could negatively impact EU and Eastern European economic activity.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Hedging and Other Strategies.</I></B> Hedging
refers to protecting against possible changes in the market value of securities or other assets that the Fund already owns or plans to
buy, or protecting unrealized gains in the Fund. When securities prices are falling, the Fund can seek to offset a decline in the value
of its current portfolio securities through the sale of futures contracts. When securities prices are rising, the Fund, through the purchase
of futures contracts, can attempt to secure better rates or prices than might later be available in the market when it effects anticipated
purchases.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">If, in the opinion of the Advisor, there is a sufficient
degree of correlation between price trends for the Fund&#8217;s portfolio securities and futures contracts based on other financial instruments,
securities indices or other indices, the Fund may also enter into such futures contracts as part of its hedging strategy. Although under
some circumstances prices of securities in the Fund&#8217;s portfolio may be more or less volatile than prices of such futures contracts,
the Advisor will attempt to estimate the extent of this volatility difference based on historical patterns and compensate for any differential
by having the Fund enter into a greater or lesser number of futures contracts or by attempting to achieve only a partial hedge against
price changes affecting the Fund&#8217;s portfolio securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">When a short hedging position is successful, any depreciation
in the value of portfolio securities will be substantially</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">offset by appreciation in the value of the futures
position. On the other hand, any unanticipated appreciation in the value of the Fund&#8217;s portfolio securities would be substantially
offset by a decline in the value of the futures position. On other occasions, the Fund may take a &#8220;long&#8221; position by purchasing
futures contracts.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Options on Securities and Securities Indices.</I></B>
The Fund may purchase and write (sell) call and put options on any securities and securities indices. These options may be listed on national
domestic securities exchanges or foreign securities exchanges or traded in the over-the-counter market. The Fund may write covered put
and call options and purchase put and call options as a substitute for the purchase or sale of securities or to protect against declines
in the value of portfolio securities and against increases in the cost of securities to be acquired.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><I>Writing Covered Options. </I>A call option on securities
written by the Fund obligates the Fund to sell specified securities to the holder of the option at a specified price if the option is
exercised at any time before the expiration date. A put option on securities written by the Fund obligates the Fund to purchase specified
securities from the option holder at a specified price if the option is exercised at any time before the expiration date. Options on securities
indices are similar to options on securities, except that the exercise of securities index options requires cash settlement payments and
does not involve the actual purchase or sale of securities. In addition, securities index options are designed to reflect price fluctuations
in a group of securities or segment of the securities market rather than price fluctuations in a single security. Writing covered call
options may deprive the Fund of the opportunity to profit from an increase in the market price of the securities in its portfolio. Writing
covered put options may deprive the Fund of the opportunity to profit from a decrease in the market price of the securities to be acquired
for its portfolio.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">All call and put options written by the Fund are covered.
A written call option or put option may be covered by (i) maintaining cash or liquid securities in a segregated account with a value at
least equal to the Fund&#8217;s obligation under the option, (ii) entering into an offsetting forward commitment and/or (iii) purchasing
an offsetting option or any other option which, by virtue of its exercise price or otherwise, reduces the Fund&#8217;s net exposure on
its written option position. A written call option on securities is typically covered by maintaining the securities that are subject to
the option in a segregated account. The Fund may cover call options on a securities index by owning securities whose price changes are
expected to be similar to those of the underlying index.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may terminate its obligations under an exchange-traded
call or put option by purchasing an option identical to the one it has written. Obligations under over-the-counter options may be terminated
only by entering into an offsetting transaction with the counterparty to such option. Such purchases are referred to as &#8220;closing
purchase transactions.&#8221;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I><BR>
Illiquid and Restricted Securities Risk.</I></B> <FONT STYLE="color: #231F20">The Fund may have significant exposure to restricted securities.
Restricted securities are securities with restrictions on public resale, such as securities offered in accordance with an exemption under
Rule 144A under the Securities Act of 1933 (the &#8220;1933 Act&#8221;), or commercial paper issued under Section 4(a)(2) of the 1933
Act. Restricted securities are often required to be sold in private sales to institutional buyers, markets for restricted securities may
or may not be well developed, and restricted securities can be illiquid. The extent (if at all) to which a security may be sold or a derivative
position closed without negatively impacting its market value may be impaired by reduced market activity or participation, legal restrictions
or other economic and market impediments. Funds with principal investment strategies that involve investments in securities of companies
with smaller market capitalizations, foreign securities, derivatives, or securities with substantial market and/or credit risk tend to
have the greatest exposure to liquidity risk. Exposure to liquidity risk may be heightened for funds that invest in securities of emerging
markets and related derivatives that are not widely traded, and that may be subject to purchase and sale restrictions.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 10.1pt 0 0; text-align: justify; color: #231F20">The capacity of traditional
dealers to engage in fixed-income trading has not kept pace with the bond market&#8217;s growth. As a result, dealer inventories of corporate
bonds, which indicate the ability to &#8220;make markets,&#8221; i.e., buy or sell a security at the quoted bid and ask price, respectively,
are at or near historic lows relative to market size. Because market makers provide stability to fixed-income markets, the significant
reduction in dealer inventories could lead to decreased liquidity and increased volatility, which may become exacerbated during periods
of economic or political stress.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Libor Discontinuation Risk.</I></B> The LA utilizes
LIBOR as the reference or benchmark rate for interest rate calculations. LIBOR is a measure of the average interest rate at which major
global banks can borrow from one another. Following allegations of rate manipulation and concerns regarding its thin liquidity, in July
2017, the U.K. Financial Conduct</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Authority, which regulates LIBOR, announced that it
will stop encouraging banks to provide the quotations needed to sustain LIBOR. The ICE Benchmark Administration Limited, the administrator
of LIBOR, is expected to cease publishing most LIBOR maturities, including some US LIBOR maturities, on December 31, 2021, and the remaining
and most liquid US LIBOR maturities on June 30, 2023. It is expected that market participants such as the fund and SSB will transition
to the use of alternative reference or benchmark rates prior to the applicable LIBOR publication cessation date. However, although regulators
have encouraged the development and adoption of alternative rates such as the Secured Overnight Financing Rate (&#8220;SOFR&#8221;), the future utilization of LIBOR or of any particular replacement rate remains unclear.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Although the transition process away from LIBOR has
become increasingly well-defined in advance of the anticipated discontinuation dates, the impact on the LA remains uncertain. It is expected
that market participants will amend financial instruments referencing LIBOR, such as the LA, to include fallback provisions and other
measures that contemplate the discontinuation of LIBOR or other similar market disruption events, but neither the effect of the transition
process nor the viability of such measures is known. To facilitate the transition of legacy derivatives contracts referencing LIBOR, the
International Swaps and Derivatives Association, Inc. launched a protocol to incorporate fallback provisions. However, there are obstacles
to converting certain longer term securities and transactions to a new benchmark or benchmarks and the effectiveness of one alternative
reference rate versus multiple alternative reference rates in new or existing financial instruments and products has not been determined.
Certain proposed replacement rates to LIBOR, such as SOFR, which is a broad measure of secured overnight US Treasury repo rates, are materially
different from LIBOR, and changes in the applicable spread for financial instruments transitioning away from LIBOR will need to be made
to accommodate the differences. Furthermore, the risks associated with the expected discontinuation of LIBOR and transition to replacement
rates may be exacerbated if an orderly transition to an alternative reference rate is not completed in a timely manner.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">As market participants transition away from LIBOR,
LIBOR&#8217;s usefulness may deteriorate. The transition process may lead to increased volatility and illiquidity in markets that currently
rely on LIBOR to determine interest rates. LIBOR&#8217;s deterioration may adversely affect the liquidity and/or market value of securities
that use LIBOR as a benchmark interest rate. The use of an alternative reference rate, or the transition process to an alternative reference
rate, may result in increases to the interest paid by the fund pursuant to the LA and, therefore, may adversely affect the fund&#8217;s
performance.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Multinational Companies Risk.</I></B> To the
extent that the Fund invests in the securities of companies with foreign business operations, it may be riskier than funds that focus
on companies with primarily U.S. operations. Multinational companies may face certain political and economic risks, such as foreign controls
over currency exchange; restrictions on monetary repatriation; possible seizure, nationalization or expropriation of assets; and political,
economic or social instability. These risks are greater for companies with significant operations in developing countries.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Negative Interest Rates. </I></B>Certain countries
have recently experienced negative interest rates on deposits and debt instruments have traded at negative yields. A negative interest
rate policy is an unconventional central bank monetary policy tool where nominal target interest rates are set with a negative value (i.e.,
below zero percent) intended to help create self-sustaining growth in the local economy. Negative interest rates may become more prevalent
among non-U.S. issuers, and potentially within the U.S. For example, if a bank charges negative interest, instead of receiving interest
on deposits, a depositor must pay the bank fees to keep money with the bank.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">These market conditions may increase the Fund&#8217;s
exposures to interest rate risk. To the extent the Fund has a bank deposit or holds a debt instrument with a negative interest rate to
maturity, the Fund would generate a negative return on that investment. While negative yields can be expected to reduce demand for fixed-income
investments trading at a negative interest rate, investors may be willing to continue to purchase such investments for a number of reasons
including, but not limited to, price insensitivity, arbitrage opportunities across fixed-income markets or rules-based investment strategies.
If negative interest rates become more prevalent in the market, it is expected that investors will seek to reallocate assets to other
income-producing assets such as investment grade and high-yield debt instruments, or equity investments that pay a dividend. This increased
demand for higher yielding assets may cause the price of such instruments to rise while triggering a corresponding decrease in yield and
the value of debt instruments over time.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Responsible Investing Risk.</I></B> Certain subadvisors
may integrate research on environmental, social and governance (ESG) factors into a fund&#8217;s investment process. ESG investments may
be viewed as &#8220;sustainable,&#8221; &#8220;responsible,&#8221; or</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&#8220;socially conscious,&#8221; among other names.
A subadvisor may also be a signatory of the United Nations Principles for Responsible Investment (PRI), which works to support its investor
signatories in incorporating ESG factors into their investment and ownership decisions, or other similar global or regional initiatives.
ESG factors may be utilized and evaluated differently by different subadvisors, and may mean different things to different people. The
successful application of ESG factors is dependent on the subadvisor&#8217;s skill in properly identifying and analyzing material ESG
issues, and the suitability of ESG investments may change over time. Integration of ESG factors into a fund&#8217;s investment process
may impact its investment exposure, performance and proxy voting, among other elements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Risks of Non-U.S. Securities.</I></B> Investments
in non-U.S. securities may involve a greater degree of risk than those in domestic securities. There is generally less publicly available
information about non-U.S. companies in the form of reports and ratings similar to those that are published about issuers in the United
States. Also, non-U.S. issuers generally are not subject to uniform accounting, auditing and financial reporting requirements comparable
to those applicable to U.S. issuers.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Because non-U.S. securities may be denominated in currencies
other than the U.S. dollar, changes in foreign currency exchange rates may affect the Fund&#8217;s net asset value (&#8220;NAV&#8221;),
the value of dividends and interest earned, gains and losses realized on the sale of securities, and any net investment income and gains
that the Fund distributes to shareholders. Securities transactions undertaken in some non-U.S. markets may not be settled promptly so
that the Fund&#8217;s investments on non-U.S. exchanges may be less liquid and subject to the risk of fluctuating currency exchange rates
pending settlement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Non-U.S. securities will be purchased in the best available
market, whether through OTC markets or exchanges located in the countries where principal offices of the issuers are located. Non-U.S.
securities markets generally are not as developed or efficient as those in the United States. While growing in volume, they usually have
substantially less volume than the NYSE, and securities of some non-U.S. issuers are less liquid and more volatile than securities of
comparable U.S. issuers. Fixed commissions on non-U.S. exchanges generally are higher than negotiated commissions on U.S. exchanges; nevertheless,
the Fund will endeavor to achieve the most favorable net results on its portfolio transactions. There is generally less government supervision
and regulation of securities exchanges, brokers and listed issuers than in the United States.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">With respect to certain non-U.S. countries, there is
the possibility of adverse changes in investment or exchange control regulations, expropriation, nationalization or confiscatory taxation
limitations on the removal of funds or other assets of the Fund, political or social instability, or diplomatic developments, which could
affect United States investments in those countries. Moreover, individual non-U.S. economies may differ favorably or unfavorably from
the United States&#8217; economy in terms of growth of gross national product, rate of inflation, capital reinvestment, resource self-sufficiency
and balance of payments position.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The dividends, in some cases capital gains and interest
payable on certain of the Fund&#8217;s non-U.S. portfolio securities, may be subject to non-U.S. withholding or other non-U.S. taxes,
thus reducing the net amount of income or gains available for distribution to the Fund&#8217;s shareholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">These risks may be intensified in the case of investments
in emerging markets or countries with limited or developing capital markets.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund&#8217;s ability and decision to purchase or
sell portfolio securities may be affected by laws or regulations relating to the convertibility and repatriation of assets. Under present
conditions, it is not believed that this consideration will have any significant effect on the Fund&#8217;s portfolio strategies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Purchasing Options.</I></B> The Fund would normally
purchase call options in anticipation of an increase, or put options in anticipation of a decrease (&#8220;protective puts&#8221;), in
the market value of securities of the type in which it may invest. The Fund may also sell call and put options to close out its purchased
options.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The purchase of a call option would entitle the Fund,
in return for the premium paid, to purchase specified securities or currency at a specified price during the option period. The Fund would
ordinarily realize a gain on the purchase of a call option if, during the option period, the value of such securities or currency exceeded
the sum of the exercise price, the premium paid and transaction costs; otherwise the Fund would realize either no gain or a loss on the
purchase of the call option.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The purchase of a put option would entitle the Fund,
in exchange for the premium paid, to sell specified securities at a specified price during the option period. The purchase of protective
puts is designed to offset or hedge against a decline in the market value of the Fund&#8217;s portfolio securities. Put options may also
be purchased by the Fund for the purpose of affirmatively benefiting from a decline in the price of securities which it does not own.
The Fund would ordinarily realize a gain if, during the option period, the value of the underlying securities decreased below the exercise
price sufficiently to cover the premium and transaction costs; otherwise the Fund would realize either no gain or a loss on the purchase
of the put option. Gains and losses on the purchase of put options may be offset by countervailing changes in the value of the Fund&#8217;s
portfolio securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund&#8217;s options transactions will be subject
to limitations established by each of the exchanges, boards of trade or other trading facilities on which such options are traded. These
limitations govern the maximum number of options in each class which may be written or purchased by a single investor or group of investors
acting in concert, regardless of whether the options are written or purchased on the same or different exchanges, boards of trade or other
trading facilities or are held or written in one or more accounts or through one or more brokers. Thus, the number of options which the
Fund may write or purchase may be affected by options written or purchased by other investment advisory clients of the Advisor. An exchange,
board of trade or other trading facility may order the liquidation of positions found to be in excess of these limits, and it may impose
certain other sanctions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Risks Associated with Options Transactions.</I></B>
There is no assurance that a liquid secondary market on a domestic or foreign options exchange will exist for any particular exchange-traded
option or at any particular time. If the Fund is unable to effect a closing purchase transaction with respect to covered options it has
written, the Fund will not be able to sell the underlying securities or dispose of assets held in a segregated account until the options
expire or are exercised. Similarly, if the Fund is unable to effect a closing sale transaction with respect to options it has purchased,
it would have to exercise the options in order to realize any profit and will incur transaction costs upon the purchase or sale of underlying
securities or currencies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Reasons for the absence of a liquid secondary market
on an exchange include the following: (i) there may be insufficient trading interest in certain options; (ii) restrictions may be imposed
by an exchange on opening transactions or closing transactions or both; (iii) trading halts, suspensions or other restrictions may be
imposed with respect to particular classes or series of options; (iv) unusual or unforeseen circumstances may interrupt normal operations
on an exchange; (v) the facilities of an exchange or the Options Clearing Corporation may not at all times be adequate to handle current
trading volume; or (vi) one or more exchanges could, for economic or other reasons, decide or be compelled at some future date to discontinue
the trading of options (or a particular class or series of options). If trading were discontinued, the secondary market on that exchange
(or in that class or series of options) would cease to exist. However, outstanding options on that exchange that had been issued by the
Options Clearing Corporation as a result of trades on that exchange would continue to be exercisable in accordance with their terms.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund&#8217;s ability to terminate over-the-counter
options is more limited than with exchange-traded options and may involve the risk that broker-dealers participating in such transactions
will not fulfill their obligations. The Advisor will determine the liquidity of each over-the-counter option in accordance with guidelines
adopted by the Board of Trustees of the Fund (the &#8220;Board&#8221;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The writing and purchase of options is a highly specialized
activity which involves investment techniques and risks different from those associated with ordinary portfolio securities transactions.
The successful use of options depends in part on the Advisor&#8217;s ability to predict future price fluctuations and, for hedging transactions,
the degree of correlation between the options and securities or currency markets.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Futures Contracts and Options on Futures Contracts.
</I></B>The Fund may purchase and sell futures contracts based on various securities (such as U.S. government securities) and securities
indices, and any other financial instruments and indices and purchase and write call and put options on these futures contracts. The Fund
may also enter into closing purchase and sale transactions with respect to any of these contracts and options. All futures contracts entered
into by the Fund are traded on U.S. or foreign exchanges or boards of trade that are licensed, regulated or approved by the Commodity
Futures Trading Commission (&#8220;CFTC&#8221;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><I>Futures Contracts. </I>A futures contract may generally
be described as an agreement between two parties to buy and sell particular financial instruments or currencies for an agreed price during
a designated month (or to deliver the final</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">cash settlement price, in the case of a contract relating
to an index or otherwise not calling for physical delivery at the end of trading in the contract).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Positions taken in the futures markets are not normally
held to maturity but are instead liquidated through offsetting transactions, which may result in a profit or a loss. While futures contracts
on securities will usually be liquidated in this manner, the Fund may instead make, or take, delivery of the underlying securities or
currency whenever it appears economically advantageous to do so. A clearing corporation associated with the exchange on which futures
contracts are traded guarantees that, if still open, the sale or purchase will be performed on the settlement date.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may, for example, take a &#8220;short&#8221;
position in the futures market by selling futures contracts in an attempt to hedge against an anticipated decline in market prices that
would adversely affect the value of the Fund&#8217;s portfolio securities. Such futures contracts may include contracts for the future
delivery of securities held by the Fund or securities with characteristics similar to those of the Fund&#8217;s portfolio securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><I>Options on Futures Contracts. </I>The purchase of
put and call options on futures contracts will give the Fund the right (but not the obligation) for a specified price to sell or to purchase,
respectively, the underlying futures contract at any time during the option period. As the purchaser of an option on a futures contract,
the Fund obtains the benefit of the futures position if prices move in a favorable direction but limits its risk of loss in the event
of an unfavorable price movement to the loss of the premium and transaction costs.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The writing of a call option on a futures contract
generates a premium which may partially offset a decline in the value of the Fund&#8217;s assets. By writing a call option, the Fund becomes
obligated, in exchange for the premium (upon exercise of the option) to sell a futures contract if the option is exercised, which may
have a value higher than the exercise price. Conversely, the writing of a put option on a futures contract generates a premium which may
partially offset an increase in the price of securities that the Fund intends to purchase. However, the Fund becomes obligated (upon exercise
of the option) to purchase a futures contract if the option is exercised, which may have a value lower than the exercise price. The loss
incurred by the Fund in writing options on futures is potentially unlimited and may exceed the amount of the premium received.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The holder or writer of an option on a futures contract
may terminate its position by selling or purchasing an offsetting option of the same series. There is no guarantee that such closing transactions
can be effected. The Fund&#8217;s ability to establish and close out positions on such options will be subject to the development and
maintenance of a liquid market.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Other Considerations.</I></B> The Fund will engage
in futures and related options transactions either for <I>bona fide </I>hedging or to facilitate portfolio management. The Fund will not
engage in futures or related options for speculative purposes. To the extent that the Fund is using futures and related options for hedging
purposes, futures contracts will be sold to protect against a decline in the price of securities that the Fund owns or futures contracts
will be purchased to protect the Fund against an increase in the price of securities it intends to purchase. The Fund will determine that
the price fluctuations in the futures contracts and options on futures used for hedging purposes are substantially related to price fluctuations
in securities held by the Fund or securities or instruments which it expects to purchase. To the extent that the Fund engages in non-hedging
transactions in futures contracts and options on futures to facilitate portfolio management, the aggregate initial margin and premiums
required to establish these nonhedging positions will not exceed 5% of the net asset value of the Fund&#8217;s portfolio, after taking
into account unrealized profits and losses on any such positions and excluding the amount by which such options were in-the-money at the
time of purchase.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Transactions in futures contracts and options on futures
involve brokerage costs, require margin deposits and, in the case of contracts and options obligating the Fund to purchase securities,
require the Fund to establish a segregated account consisting of cash or liquid securities in an amount equal to the underlying value
of such contracts and options.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">While transactions in futures contracts and options
on futures may reduce certain risks, these transactions themselves entail certain other risks. For example, unanticipated changes in interest
rates or securities prices may result in a poorer overall performance for the Fund than if it had not entered into any futures contracts
or options transactions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Perfect correlation between the Fund&#8217;s futures
positions and portfolio positions will be impossible to achieve. In the event of an imperfect correlation between a futures position and
a portfolio position which is intended to be protected, the desired protection may not be obtained and the Fund may be exposed to risk
of loss.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Some futures contracts or options on futures may become
illiquid under adverse market conditions. In addition, during periods of market volatility, a commodity exchange may suspend or limit
trading in a futures contract or related option, which may make the instrument temporarily illiquid and difficult to price. Commodity
exchanges may also establish daily limits on the amount that the price of a futures contract or related option can vary from the previous
day&#8217;s settlement price. Once the daily limit is reached, no trades may be made that day at a price beyond the limit. This may prevent
the Fund from closing out positions and limiting its losses.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Interest Rate Swaps, Collars, Caps and Floors.</I></B>
In order to hedge the value of the Fund&#8217;s portfolio against interest rate fluctuations or to facilitate portfolio management, the
Fund may, but is not required to, enter into various interest rate transactions such as interest rate swaps and the purchase or sale of
interest rate caps and floors. To the extent that the Fund enters into these transactions, the Fund expects to do so primarily to preserve
a return or spread on a particular investment or portion of its portfolio, to protect against any increase in the price of securities
the Fund anticipates purchasing at a later date or to manage the Fund&#8217;s interest rate exposure on any debt securities or preferred
shares issued by the Fund for leverage purposes. The Fund intends to use these transactions only as a hedge or to facilitate portfolio
management. The Fund is not required to hedge its portfolio and may choose not to do so. The Fund cannot guarantee that any hedging strategies
it uses will work.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Interest Rate Swaps. </I></B>In an interest rate
swap, the Fund exchanges with another party their respective commitments to pay or receive interest (<I>e.g.</I>, an exchange of fixed
rate payments for floating rate payments). For example, if the Fund holds a debt instrument with an interest rate that is reset only once
each year, it may swap the right to receive interest at this fixed rate for the right to receive interest at a rate that is reset every
week. This would enable the Fund to offset a decline in the value of the debt instrument due to rising interest rates but would also limit
its ability to benefit from falling interest rates. Conversely, if the Fund holds a debt instrument with an interest rate that is reset
every week and it would like to lock in what it believes to be a high interest rate for one year, it may swap the right to receive interest
at this variable weekly rate for the right to receive interest at a rate that is fixed for one year. Such a swap would protect the Fund
from a reduction in yield due to falling interest rates and may permit the Fund to enhance its income through the positive differential
between one week and one year interest rates, but would preclude it from taking full advantage of rising interest rates.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund usually will enter into interest rate swaps
on a net basis (<I>i.e.</I>, the two payment streams are netted out with the trust receiving or paying, as the case may be, only the net
amount of the two payments). The net amount of the excess, if any, of the Fund&#8217;s obligations over its entitlements with respect
to each interest rate swap will be accrued on a daily basis, and an amount of cash or liquid instruments having an aggregate net asset
value at least equal to the accrued excess will be maintained in a segregated account by the Fund&#8217;s custodian. If the interest rate
swap transaction is entered into on other than a net basis, the full amount of the Fund&#8217;s obligations will be accrued on a daily
basis, and the full amount of the Fund&#8217;s obligations will be maintained in a segregated account by the Fund&#8217;s custodian.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Interest Rate Collars, Caps and Floors. </I></B>The
Fund also may engage in interest rate transactions in the form of purchasing or selling interest rate caps or floors. The Fund will not
sell interest rate caps or floors that it does not own. The purchase of an interest rate cap entitles the purchaser, to the extent that
a specified index exceeds a predetermined interest rate, to receive payments of interest equal to the difference of the index and the
predetermined rate on a notional principal amount (<I>i.e.</I>, the reference amount with respect to which interest obligations are determined
although no actual exchange of principal occurs) from the party selling such interest rate cap. The purchase of an interest rate floor
entitles the purchaser, to the extent that a specified index falls below a predetermined interest rate, to receive payments of interest
at the difference of the index and the predetermined rate on a notional principal amount from the party selling such interest rate floor.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Typically, the parties with which the Fund will enter
into interest rate transactions will be broker-dealers and other financial institutions. The Fund will not enter into any interest rate
swap, cap or floor transaction unless the unsecured senior debt or the claims-paying ability of the other party thereto is rated investment
grade quality by at least one nationally recognized statistical rating organization at the time of entering into such transaction or whose
creditworthiness is believed by the Advisor to be equivalent to such rating. If there is a default by the other party to such a transaction,
the Fund will have contractual remedies pursuant to the agreements related to the transaction. The swap market has grown substantially
in recent years with a large number of banks and investment banking firms acting both as principals and as agents utilizing standardized
swap documentation. As a result, the swap market has become relatively liquid in comparison with other similar instruments traded in the
interbank market. Caps and floors,</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">however, are less liquid than swaps. Certain federal
income tax requirements may limit the Fund&#8217;s ability to engage in interest rate swaps.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Credit Default Swap Agreements. </I></B>The Fund
may enter into credit default swap agreements. The &#8220;buyer&#8221; in a credit default contract is obligated to pay the &#8220;seller&#8221;
a periodic stream of payments over the term of the contract provided that no event of default on an underlying reference obligation has
occurred. If an event of default occurs, the seller must pay the buyer the &#8220;par value&#8221; (full notional value) of the reference
obligation in exchange for the reference obligation. The Fund may be either the buyer or seller in the transaction. If the Fund is a buyer
and no event of default occurs, the Fund loses its investment and recovers nothing. However, if an event of default occurs, the buyer
receives full notional value for a reference obligation that may have little or no value. As a seller, the Fund receives a fixed rate
of income throughout the term of the contract, which can run between six months and ten years but is typically structured between three
and five years, provided that there is no default event. If an event of default occurs, the seller must pay the buyer the full notional
value of the reference obligation. Credit default swaps involve greater risks than if the Fund had invested in the reference obligation
directly. In addition to general market risks, credit default swaps are subject to illiquidity risk, counterparty risk and credit risks.
The Fund will enter into swap agreements only with counterparties who are rated investment grade by at least one nationally recognized
statistical rating organization at the time of entering into such transaction or whose creditworthiness is believed by the Advisor to
be equivalent to such rating. A buyer also will lose its investment and recover nothing should an event of default occur. If an event
of default were to occur, the value of the reference obligation received by the seller, coupled with the periodic payments previously
received, may be less than the full notional value it pays to the buyer, resulting in a loss of value to the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">If the Fund enters into a credit default swap, the
Fund may be required to report the swap as a &#8220;listed transaction&#8221; for tax shelter reporting purposes on the Fund&#8217;s federal
income tax return. If the Internal Revenue Service (the &#8220;IRS&#8221;) were to determine that the credit default swap is a tax shelter,
the Fund could be subject to penalties under the Internal Revenue Code of 1986, as amended (the &#8220;Code&#8221;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Warrants and Rights.</I></B> Warrants and rights
generally give the holder the right to receive, upon exercise and prior to the expiration date, a security of the issuer at a stated price.
Funds typically use warrants and rights in a manner similar to their use of options on securities, as described in &#8220;General Characteristics
of Options&#8221; above and elsewhere in this SAI. Risks associated with the use of warrants and rights are generally similar to risks
associated with the use of options. Unlike most options, however, warrants and rights are issued in specific amounts, and warrants generally
have longer terms than options. Warrants and rights are not likely to be as liquid as exchange-traded options backed by a recognized clearing
agency. In addition, the terms of warrants or rights may limit the Fund&#8217;s ability to exercise the warrants or rights at such time,
or in such quantities, as the Fund would otherwise wish.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may in the future employ new or additional
investment strategies and hedging instruments if those strategies and instruments are consistent with the Fund&#8217;s investment objectives
and are permissible under applicable regulations governing the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Additional Regulatory Limitations on the Use
of Futures and Related Options, Interest Rate Floors, Caps and Collars and Interest Rate and Currency Swap Contracts</I>. </B>The CFTC
has adopted regulations that subject registered investment companies and/or their investment advisors to regulation by the CFTC if the
registered investment company invests more than a prescribed level of its NAV in commodity futures, options on commodities or commodity
futures, swaps, or other financial instruments regulated under the Commodity Exchange Act (&#8220;CEA&#8221;) (&#8220;commodity interests&#8221;),
or if the registered investment company markets itself as providing investment exposure to such commodity interests. The Advisor is registered
as a commodity pool operator (&#8220;CPO&#8221;) under the CEA and is a National Futures Association member firm; however, the Advisor
does not act in the capacity of a registered CPO with respect to the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Although the Advisor is a registered commodity pool
operator (&#8220;CPO&#8221;) under the CEA and is a National Futures Association member firm, the Advisor has claimed an exclusion from
CPO registration pursuant to CFTC Rule 4.5 with respect to the Fund. To remain eligible for this exclusion, the Fund must comply with
certain limitations, including limits on trading in commodity interests, and restrictions on the manner in which the Fund markets its
commodity interests trading activities. These limitations may restrict the Fund&#8217;s ability to pursue its investment strategy, increase
the costs of implementing its strategy, increase its expenses and/or adversely affect its total return.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Please see &#8220;<I>Risk of Additional Government
Regulation of Derivatives</I>&#8221; for more information regarding governmental regulations of derivatives and similar transactions</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Risk of Additional Government Regulation of Derivatives.</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The regulation of the U.S. and non-U.S. derivatives
markets has undergone substantial change in recent years and such change may continue. In particular, new Rule 18f-4 (the &#8220;Derivatives
Rule&#8221;), adopted by the SEC on October 28, 2020, replaces the asset segregation regime of Investment Company Act Release No. 10666
(Release 10666) with a new framework for the use of derivatives by registered funds. For funds using a significant amount of derivatives,
, the Derivatives Rule mandates a fund adopt and/or implement: (i) value at risk limitations in lieu of asset segregation requirements;
(ii) a written derivatives risk management program; (iii) new Board oversight responsibilities, and (iv) new reporting and recordkeeping
requirements. The Derivative Rule provides an exception for funds with derivative exposure up to 10% of its net assets, excluding certain
currency and interest rate hedging transactions. In addition, the Derivatives Rule provides special treatment for reverse repurchase agreements,
similar financing transactions and unfunded commitment agreements. On August 19, 2022, the SEC will rescind Release 10666 and withdraw
letters and similar guidance addressing a fund&#8217;s use of derivatives and require funds to satisfy the requirements of the Derivatives
Rule. Unless a Fund elects to comply early with the Derivatives Rule, a Fund may continue to engage in certain asset segregation practices
in accordance with Release 10666 and related staff letters and guidance until August 19, 2022.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">It is possible that additional government regulation
of various types of derivative instruments, including futures, options on futures and swap agreements, may limit or prevent a fund from
using such instruments as part of its investment strategy, which could negatively impact the fund. While many provisions of the Dodd-Frank
Act have yet to be fully implemented and any regulatory or legislative activity may not necessarily have a direct, immediate effect upon
a fund, it is possible that, upon implementation of these measures or any future measures, they could potentially limit or completely
restrict the ability of a fund to use these instruments as a part of its investment strategy, increase the costs of using these instruments
or make them less effective. In particular, new position limits imposed on a fund or its counterparty may impact the fund&#8217;s ability
to invest in futures, options, and swaps in a manner that efficiently meets its investment objective.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Short-Term Trading and Portfolio Turnover.</I></B>
Short-term trading means the purchase and subsequent sale of a security after it has been held for a relatively brief period of time.
The Fund may engage in short-term trading in response to stock market conditions, changes in interest rates or other economic trends and
developments, or to take advantage of yield disparities between various fixed-income securities in order to realize capital gains or improve
income. Short-term trading may have the effect of increasing portfolio turnover rate. A high rate of portfolio turnover (100% or greater)
involves correspondingly greater brokerage expenses. The portfolio turnover rate for the Fund for the fiscal years ended December 31,
2020 and December 31, 2019 was 10% and 13%, respectively.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Real Estate Securities.</I></B> Investing in
securities of companies in the real estate industry subjects the Fund to the risks associated with the direct ownership of real estate.
These risks include:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">Declines in the value of real estate;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">Risks related to general and local economic conditions;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">Possible lack of availability of mortgage funds;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">Overbuilding;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">Extended vacancies of properties;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">Increased competition;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">Increases in property taxes and operating expenses;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">Changes in zoning laws;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">Losses due to costs resulting from the cleanup of environmental problems;</TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">Liability to third parties for damages resulting from environmental problems;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">Casualty or condemnation losses;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">Limitations on rents;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">Changes in neighborhood values and the appeal of properties to tenants;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">Changes in interest rates; and</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 28.8pt; text-align: justify; text-indent: -14.4pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">Liquidity risk.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 28.8pt; text-align: justify; text-indent: -14.4pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Therefore, to the extent that the Fund invests a substantial
amount of its assets in securities of companies in the real estate industry, the value of the Fund&#8217;s shares may change at different
rates compared to the value of shares of the Fund with investments in a mix of different industries.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Securities of companies in the real estate industry
include equity real estate investment trusts (&#8220;REITs&#8221;) and mortgage REITs. Equity REITs may be affected by changes in the
value of the underlying property owned by the REIT, while mortgage REITs may be affected by the quality of any credit extended. Further,
equity and mortgage REITs are dependent upon management skills and generally may not be diversified. Equity and mortgage REITs are also
subject to heavy cash flow dependency, defaults by borrowers and self-liquidations. In addition, equity and mortgage REITs could possibly
fail to qualify for tax-free pass-through of income under the Code, as amended, or to maintain their exemptions from registration under
the 1940 Act. The above factors may also adversely affect a borrower&#8217;s or a lessee&#8217;s ability to meet its obligations to a
REIT. In the event of a default by a borrower or lessee, a REIT may experience delays in enforcing its rights as a mortgagee or lessor
and may incur substantial costs associated with protecting its investments.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In addition, even the larger REITs in the industry
tend to be small- to medium-sized companies in relation to the equity markets as a whole. Moreover, shares of REITs may trade less frequently
and, therefore, are subject to more erratic price movements, than securities of larger issuers.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Gaming-Tribal Authority Investments.</I></B>
The Fund may invest in securities issued by gaming companies, including gaming facilities operated by Indian (Native American) tribal
authorities. The value of the Fund&#8217;s investments in gaming companies is subject to legislative or regulatory changes, adverse market
conditions, and/or increased competition affecting the gaming sector. Securities of gaming companies may be considered speculative, and
generally exhibit greater volatility than the overall market. The market value of gaming company securities may fluctuate widely due to
unpredictable earnings, due in part to changing consumer tastes and intense competition, strong reaction to technological developments,
and the threat of increased government regulation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Securities issued by Indian tribal authorities are
subject to particular risks. Indian tribes enjoy sovereign immunity, which is the legal privilege by which the United States federal,
state, and tribal governments cannot be sued without their consent. In order to sue an Indian tribe (or an agency or instrumentality thereof),
the tribe must have effectively waived its sovereign immunity with respect to the matter in dispute. Certain Indian tribal authorities
have agreed to waive their sovereign immunity in connection with their outstanding debt obligations. Generally, waivers of sovereign immunity
have been held to be enforceable against Indian tribes. Nevertheless, if a waiver of sovereign immunity is held to be ineffective, claimants,
including investors in Indian tribal authority securities (such as the Fund), could be precluded from judicially enforcing their rights
and remedies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Further, in most commercial disputes with Indian tribes,
it may be difficult or impossible to obtain federal court jurisdiction. A commercial dispute may not present a federal question, and an
Indian tribe may not be considered a citizen of any state for purposes of establishing diversity jurisdiction. The U.S. Supreme Court
has held that jurisdiction in a tribal court must be exhausted before any dispute can be heard in an appropriate federal court. In cases
where the jurisdiction of the tribal forum is disputed, the tribal court first must rule as to the limits of its own jurisdiction. Such
jurisdictional issues, as well as the general view that Indian tribes are not considered to be subject to ordinary bankruptcy proceedings,
may be disadvantageous to holders of obligations issued by Indian tribal authorities, including the Fund.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Cybersecurity and Operational Risk.</I></B> Cybersecurity
breaches are either intentional or unintentional events that allow an unauthorized party to gain access to Fund assets, customer data,
or proprietary information, or cause the Fund or a Fund service provider to suffer data corruption or lose operational functionality.
Intentional cybersecurity incidents include: unauthorized access to systems, networks, or devices (such as through &#8220;hacking&#8221;
activity); infection from computer viruses or other malicious software code; and attacks that shut down, disable, slow, or otherwise disrupt
operations, business processes, or website access or functionality. In addition, unintentional incidents can occur, such as the inadvertent
release of confidential information.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">A cybersecurity breach could result in the loss or
theft of customer data or funds, the inability to access electronic systems (&#8220;denial of services&#8221;), loss or theft of proprietary
information or corporate data, physical damage to a computer or network system, or costs associated with system repairs, any of which
could have a substantial impact on the Fund. For example, in a denial of service, Fund shareholders could lose access to their electronic
accounts indefinitely, and employees of the Advisor, a Subadvisor, or the Fund&#8217;s other service providers may not be able to access
electronic systems to perform critical duties for the Fund, such as trading, NAV calculation, shareholder accounting, or fulfilment of
Fund share purchases and redemptions. Cybersecurity incidents could cause the Fund, the Advisor, a Subadvisor, or other service provider
to incur regulatory penalties, reputational damage, compliance costs associated with corrective measures, or financial loss. They may
also result in violations of applicable privacy and other laws. In addition, such incidents could affect issuers in which the Fund invests,
thereby causing the Fund&#8217;s investments to lose value.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Cyber-events have the potential to materially affect
the Fund and the Advisor&#8217;s relationships with accounts, shareholders, clients, customers, employees, products, and service providers.
The Fund has established risk management systems reasonably designed to seek to reduce the risks associated with cyber-events. There is
no guarantee that the Fund will be able to prevent or mitigate the impact of any or all cyber-events.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund is exposed to operational risk arising from
a number of factors, including, but not limited to, human error, processing and communication errors, errors of the fund&#8217;s service
providers, counterparties, or other third parties, failed or inadequate processes and technology or system failures.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisor, each subadvisor, and their affiliates
have established risk management or operational failure systems that seek to reduce cybersecurity and operational risks, and business
continuity plans in the event of a cybersecurity breach or operational failure. However, there are inherent limitations in such plans,
including that certain risks have not been identified, and there is no guarantee that such efforts will succeed, especially since none
of the Advisor, the Subadvisors, or their affiliates controls the cybersecurity or operational systems of the Fund&#8217;s third-party
service providers (including the Fund&#8217;s custodian), or those of the issuers of securities in which the Fund invests.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In addition, other disruptive events, including (but
not limited to) natural disasters and public health crises (such as the novel coronavirus (COVID-19) pandemic), may adversely affect the
Fund&#8217;s ability to conduct business, in particular if the Fund&#8217;s employees or the employees of its service providers are unable
or unwilling to perform their responsibilities as a result of any such event. Even if the Fund&#8217;s employees and the employees of
its service providers are able to work remotely, those remote work arrangements could result in the Fund&#8217;s business operations being
less efficient than under normal circumstances, could lead to delays in its processing of transactions, and could increase the risk of
cyber-events.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify"><B><I>Market Events. </I></B>Events in certain
sectors have resulted, and may in the future result, in an unusually high degree of volatility in the financial markets, both domestic
and foreign. These events have included, but are not limited to : bankruptcies, corporate restructurings, and other events related to
the sub-prime mortgage crisis in 2008; governmental efforts to limit short selling and high frequency trading; measures to address U.S.
federal and state budget deficits, social, political, and economic instability in Europe; economic stimulus by the Japanese central bank;
steep declines in oil prices; dramatic changes in energy prices and currency exchange rates; and China&#8217;s economic slowdown. Interconnected
global economies and financial markets increase the possibility that conditions in one country or region might adversely impact issuers
in a different country or region. Both domestic and foreign equity markets have experienced increased volatility and turmoil, with issuers
that have exposure to the real estate, mortgage, and credit markets particularly affected, and it is uncertain when these conditions will
recur. Banks and financial services companies could suffer losses if interest rates were to rise or economic conditions deteriorate.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In addition to relatively high market volatility
and reduced liquidity in credit and fixed-income markets may adversely affect many issuers worldwide. Actions taken by the U.S. Federal
Reserve (Fed) or foreign central banks to stimulate or stabilize economic growth, such as interventions in currency markets, could cause
high volatility in the equity and</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">fixed-income markets. Reduced liquidity may
result in less money being available to purchase raw materials, goods, and services from emerging markets, which may, in turn, bring down
the prices of these economic staples. It may also result in emerging-market issuers having more difficulty obtaining financing, which
may, in turn, cause a decline in their securities prices.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">In addition, while interest rates have been
unusually low in recent years in the United States and abroad, any decision by the Fed to adjust the target fed funds rate, among other
factors, could cause markets to experience continuing high volatility. A significant increase in interest rates may cause a decline in
the market for equity securities. Also, regulators have expressed concern that rate increases may contribute to price volatility. These
events and the possible resulting market volatility may have an adverse effect on the Fund. The U.S. is also considering significant new
investments in infrastructure and national defense which, coupled with lower federal taxes, could lead to increased government borrowing
and higher interest rates. While these proposed policies are going through the political process, the equity and debt markets may react
strongly to expectations, which could increase volatility, especially if the market&#8217;s expectations for changes in government policies
are not borne out. The U.S. is also renegotiating many of its global trade relationships and has imposed or threatened to impose significant
import tariffs. These actions could lead to price volatility and overall declines in U.S. and global investment markets.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">Political turmoil within the United States and
abroad may also impact the Funds. Although the U.S. government has honored its credit obligations, it remains possible that the United
States could default on its obligations. While it is impossible to predict the consequences of such an unprecedented event, it is likely
that a default by the United States would be highly disruptive to the United States and global securities markets and could significantly
impair the value of the Fund&#8217;s investments. Similarly, political events within the United States at times have resulted, and may
in the future result, in a shutdown of government services, which could negatively affect the U.S. economy, decrease the value of many
Fund investments, and increase uncertainty in or impair the operation of the United States or other securities markets. The U.S. is also
renegotiating many of its global trade relationships and has imposed or threatened to impose significant import tariffs. These actions
could lead to price volatility and overall declines in U.S. and global investment markets.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">Uncertainties surrounding the sovereign debt
of a number of EU countries and the viability of the EU have disrupted and may in the future disrupt markets in the United States and
around the world. If one or more countries leave the EU or the EU dissolves, the world&#8217;s securities markets likely will be significantly
disrupted. On January 31, 2020, the UK left the EU, commonly referred to as &#8220;Brexit.&#8221;, and there commenced a transition period
during which the EU and UK will negotiate and agree on the nature of their future relationship. Negotiators representing the United Kingdom
and EU came to a preliminary trade agreement on December 24, 2020. The trade agreement was ratified by the UK Parliament and the European
Parliament and took effect on January 1, 2021. Many aspects of the United Kingdom-EU trade relationship remain subject to further negotiation.
There is significant market uncertainty regarding Brexit&#8217;s ramifications, and the range and potential implications of possible political,
regulatory, economic, and market outcomes are difficult to predict. This uncertainty may affect other countries in the EU and elsewhere,
and may cause volatility within the EU, triggering prolonged economic downturns in certain countries within the EU. In addition, Brexit
may create additional and substantial economic stresses for the UK, including a contraction of the UK economy and price volatility in
UK stocks, decreased trade, capital outflows, devaluation of the British pound, wider corporate bond spreads due to uncertainty and declines
in business and consumer spending as well as foreign direct investment. Brexit may also adversely affect UK-based financial firms that
have counterparties in the EU or participate in market infrastructure (trading venues, clearing houses, settlement facilities) based in
the EU. Additionally, the spread of the novel coronavirus (COVID-19) pandemic will stretch the resources and deficits of many countries
in the EU and throughout the world, increasing the risk of default on their sovereign debt. These events and the resulting market volatility
may have an adverse effect on the performance of the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">A widespread health crisis such as a global pandemic
could cause substantial market volatility, exchange trading suspensions and closures, impact the ability to complete redemptions, and
affect Fund performance. For example, the novel coronavirus disease (COVID-19) has resulted in significant disruptions to global business
activity. The impact of a health crisis and other epidemics and pandemics that may arise in the future, could affect the global economy
in ways that cannot necessarily be foreseen at the present time. A health crisis may exacerbate other pre-existing political, social and
economic risks. Any such impact could adversely affect the fund&#8217;s performance, resulting in losses to your investment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><BR>
The United States has responded to the novel coronavirus (COVID-19) pandemic and resulting economic distress with</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">fiscal and monetary stimulus packages. In late March
2020, the government passed the Coronavirus Aid, Relief, and Economic Security Act, a stimulus package providing for over $2.2 trillion
in resources to small businesses, state and local governments, and individuals that have been adversely impacted by the novel coronavirus
(COVID-19) pandemic. In addition, in mid-March 2020 the Fed cut interest rates to historically low levels and promised unlimited and open-ended
quantitative easing, including purchases of corporate and municipal government bonds. The Fed also enacted various programs to support
liquidity operations and funding in the financial markets, including expanding its reverse repurchase agreement operations, adding $1.5
trillion of liquidity to the banking system, establishing swap lines with other major central banks to provide dollar funding, establishing
a program to support money market funds, easing various bank capital buffers, providing funding backstops for businesses to provide bridging
loans for up to four years, and providing funding to help credit flow in asset-backed securities markets. The Fed also plans to extend
credit to small- and medium-sized businesses.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Political and military events, including in North Korea,
Venezuela, Iran, Syria, and other areas of the Middle East, and nationalist unrest in Europe and South America, also may cause market
disruptions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In addition, there is a risk that the prices of goods
and services in the United States and many foreign economies may decline over time, known as deflation. Deflation may have an adverse
effect on stock prices and creditworthiness and may make defaults on debt more likely. If a country&#8217;s economy slips into a deflationary
pattern, it could last for a prolonged period and may be difficult to reverse.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Use of Segregated and Other Special Accounts</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">As noted under &#8220;Risk of Additional Government
Regulation of Derivatives&#8221;, on October 28, 2020, the SEC announced it would rescind Release 10666. However, unless the Fund elects
to comply early with the Derivatives Rule, the Fund may continue to engage in certain asset segregation practices in accordance with Release
10666 and related staff letters and guidance until August 19, 2022, as described in this subsection.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Use of extensive hedging and other strategic transactions
by the Fund will require, among other things, that the Fund post collateral with counterparties or clearinghouses and/or segregate cash
or other liquid assets with its custodian, or a designated subcustodian, to the extent that the Fund&#8217;s obligations are not otherwise
&#8220;covered&#8221; through ownership of the underlying security, financial instrument or currency.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In general, either the full amount of any obligation
by the Fund to pay or deliver securities or assets under a transaction or series of transactions must be covered at all times by (a) holding
the securities, instruments or currency required to meet the Fund&#8217;s obligations under such transactions or series of transactions,
or (b) subject to any regulatory restrictions, segregating an amount of cash or other liquid assets at least equal to the current amount
of the obligation. The segregated assets cannot be sold or transferred unless equivalent assets are substituted in their place or it is
no longer necessary to segregate them. Some examples of cover requirements are set forth below.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><I>Call Options. </I>A call option on securities written
by the Fund will require the Fund to hold the securities subject to the call (or securities convertible into the needed securities without
additional consideration) or to segregate cash or other liquid assets sufficient to purchase and deliver the securities if the call is
exercised. A call option sold by the Fund on an index will require the Fund to own portfolio securities that correlate with the index
or to segregate cash or other liquid assets equal to its obligations under the option.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Put Options.</B> A put option on securities written
by the Fund will require the Fund to segregate cash or other liquid assets equal to the exercise price.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>OTC Options. </B>OTC options entered into by the
Fund, including those on securities, currency, financial instruments or indices, and OTC-issued and exchange-listed index options generally
will provide for cash settlement, although the Fund will not be required to do so. As a result, when the Fund sells these instruments
it will segregate an amount of cash or other liquid assets equal to its obligations under the options. OTC-issued and exchange-listed
options sold by the Fund other than those described above generally settle with physical delivery, and the Fund will segregate an amount
of cash or liquid high grade debt securities equal to the full value of the option. OTC options settling with physical delivery or with
an election of either physical delivery or cash settlement will be treated the same as other options settling with physical delivery.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Currency Contracts.</B> Except when the Fund enters
into a forward contract in connection with the purchase or sale of a security denominated in a foreign currency or for other non-speculative
purposes, which requires no segregation, a currency contract that obligates the Fund to buy or sell a foreign currency generally will
require the Fund to hold an amount of that currency or liquid securities denominated in that currency equal to the Fund&#8217;s obligations
or to segregate cash or other liquid assets equal to the amount of the Fund&#8217;s obligations.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Futures Contracts and Options on Futures Contracts</B><I>.
</I>In the case of a futures contract or an option on a futures contract, the Fund must deposit initial margin and, in some instances,
daily variation margin, in addition to segregating assets sufficient to meet its obligations under the contract. These assets may consist
of cash, cash equivalents, liquid debt, equity securities or other acceptable assets.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Swaps.</B> The Fund will calculate the net amount,
if any, of its obligations relating to swaps on a daily basis and will segregate an amount of cash or other liquid assets having an aggregate
value at least equal to this net amount.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Caps, Floors and Collars.</B> Caps, floors and collars
require segregation of assets with a value equal to the Fund&#8217;s net obligation, if any.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Hedging and other strategic transactions may be covered
by means other than those described above when consistent with applicable regulatory policies. The Fund also may enter into offsetting
transactions so that its combined position, coupled with any segregated assets, equals its net outstanding obligation. The Fund could
purchase a put option, for example, if the exercise price of that option is the same or higher than the exercise price of a put option
sold by the Fund. In addition, if it holds a futures contract or a forward contract, the Fund could, instead of segregating assets, purchase
a put option on the same futures contract or forward contract with an exercise price as high as or higher than the price of the contract
held. Other hedging and strategic transactions also may be offset in combinations. If the offsetting transaction terminates on or after
the time the primary transaction terminates, no segregation is required, but if it terminates prior to that time, assets equal to any
remaining obligation would need to be segregated.</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><A NAME="tocsai_003"></A>Investment Restrictions</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The investment policies and strategies of the Fund
described in this SAI and the Prospectus, except for the nine investment restrictions designated as fundamental policies under this caption,
are not fundamental and may be changed by the Board without shareholder approval.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Fundamental Investment Restrictions</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">As referred to above, the following nine investment
restrictions of the Fund are designated as fundamental policies and as such cannot be changed without the approval of the holders of a
majority of the Fund&#8217;s outstanding voting securities, which as used in this SAI means the lesser of (a) 67% of the shares of the
Fund present or represented by proxy at a meeting if the holders of more than 50% of the outstanding shares are present or represented
at the meeting or (b) more than 50% of outstanding shares of the Fund. As a matter of fundamental policy, the Fund may not:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 18pt">(1)</TD><TD STYLE="text-align: justify">Issue senior securities, except as permitted under the Investment Company Act of 1940, as amended, and
as interpreted or modified by regulatory authority having jurisdiction, from time to time.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 18pt">(2)</TD><TD STYLE="text-align: justify">Borrow money, except as permitted under the Investment Company Act of 1940, as amended, and as interpreted
or modified by regulatory authority having jurisdiction, from time to time.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 32.4pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 18pt">(3)</TD><TD STYLE="text-align: justify">Purchase securities on margin, except the Fund may obtain such short-term credits as may be necessary
for the clearance of security transactions and may make margin deposits in connection with transactions in options, swap transactions
and risk management transactions.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 18pt">(4)</TD><TD STYLE="text-align: justify">Underwrite securities issued by other persons, except to the extent that in connection with the disposition
of its portfolio investments it may be deemed to be an underwriter under the federal securities laws.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 32.4pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 18pt">(5)</TD><TD STYLE="text-align: justify">Purchase or sell real estate, although the Fund may purchase securities of issuers which deal in real
estate, securities which are secured by interests in real estate and securities representing interests in real estate.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 32.4pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 18pt">(6)</TD><TD STYLE="text-align: justify">Purchase or sell commodities or commodity contracts, except that the Fund may purchase or sell financial
futures contracts, related options and enter into swap transactions.</TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 18pt">(7)</TD><TD STYLE="text-align: justify">Make loans, except by purchase of debt obligations in which the Fund may invest consistent with its investment
policies, by entering into repurchase agreements, or through the lending of its portfolio securities.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 32.4pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 18pt">(8)</TD><TD STYLE="text-align: justify">Invest in securities of any issuer if, immediately after such investment, more than 5% of the total assets
of the Fund (taken at current value) would be invested in the securities of such issuer or acquire more than 10% of the outstanding voting
securities of any issuer, provided that this limitation does not apply to obligations issued or guaranteed as to interest and principal
by the U.S. Government or its agencies or instrumentalities or to repurchase agreements secured by such obligations and that up to 25%
of the Fund&#8217;s total assets (at current value) may be invested without regard to this limitation.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 32.4pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 18pt">(9)</TD><TD STYLE="text-align: justify">Invest more than 25% of the value of its total assets in the securities of issuers primarily engaged in
any one industry, provided that this limitation does not apply to (i) securities of issuers in the banking and thrift industry or (ii)
obligations issued or guaranteed as to interest and principal by the U.S. Government or its agencies or instrumentalities or to repurchase
agreements secured by such obligations.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund does not have a fundamental policy with respect
to short sales.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In regard to restriction (2), the Fund may borrow money
as a temporary measure for extraordinary or emergency purposes, including the payment of dividends and the settlement of securities transactions
which otherwise might require untimely dispositions of Fund securities. The 1940 Act currently requires that the Fund have 300% asset
coverage at the time of borrowing with respect to all borrowings other than temporary borrowings.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">With respect to restriction (8), a diversified fund,
as to at least 75% of the value of its total assets, generally may not, except with respect to government securities and securities of
other investment companies, invest more than 5% of its total assets in the securities, or own more than 10% of the outstanding voting
securities, of any one issuer. In determining the issuer of a municipal security, each state, each political subdivision, agency, and
instrumentality of each state and each multi-state agency of which such state is a member is considered a separate issuer. In the event
that securities are backed only by assets and revenues of a particular instrumentality, facility or subdivision, such entity is considered
the issuer.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">For purposes of construing restriction (9), securities
of the U.S. government, its agencies, or instrumentalities are not considered to represent industries. Tax-exempt municipal obligations
backed by the credit of a governmental entity also are not considered to represent industries.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Whenever an investment policy or investment restriction
set forth in the Prospectus or this SAI states a maximum percentage of assets that may be invested in any security or other asset or describes
a policy regarding quality standards, such percentage limitation or standard shall be determined immediately after and as a result of
the Fund&#8217;s acquisition of such security or asset. Accordingly, any later increase or decrease resulting from a change in values,
assets or other circumstances or any subsequent rating change made by a rating agency (or as determined by the Subadvisor if the security
is not rated by a rating agency) will not compel the Fund to dispose of such security or other asset. Notwithstanding the foregoing, the
Fund must always be in compliance with the borrowing policies set forth above.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Non-fundamental Investment Restrictions</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund has adopted the following non-fundamental
investment policies, which may be changed by the Board without approval of the Fund&#8217;s shareholders:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 18pt">(1)</TD><TD STYLE="text-align: justify">The Fund will not purchase additional portfolio securities if, after giving effect to such purchase, the
borrowings referred to in investment restriction (2) above exceed 5% of the Fund&#8217;s total assets.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 32.4pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 18pt">(2)</TD><TD STYLE="text-align: justify">The Fund will not invest more than 10% of its total assets in the securities of any one issuer, except
securities issued by the U.S. Government, its agencies and instrumentalities.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 32.4pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 14.4pt; text-align: right"></TD><TD STYLE="width: 18pt">(3)</TD><TD STYLE="text-align: justify">The Fund, together with certain other advisory clients of the Advisor, generally may not
acquire 10% or more of the voting securities of a bank, thrift, or bank holding company without regulatory approval.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 32.4pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 18pt">(4)</TD><TD STYLE="text-align: justify">The Fund, together with certain other advisory clients of the Advisor and its affiliates, will not acquire
5% or</TD></TR></TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 32.4pt; text-align: justify">more of the voting securities of any bank,
if an officer or director of such bank also is an officer or director of the Advisor, or one of its affiliates.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 32.4pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><A NAME="tocsai_004"></A>Portfolio Turnover</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In general, the Fund intends to purchase and hold securities
for long-term capital appreciation and not to trade in securities for short-term gain. It is anticipated that the annual portfolio turnover
rate will not exceed 50%. Notwithstanding the foregoing, the Adviser may, from time to time, make short-term investments when it believes
such investments are in the best interest of the Fund. The Fund&#8217;s annual rate of portfolio turnover may vary from year to year as
well as within a year. A high rate of portfolio turnover (100% or more) generally involves correspondingly greater brokerage commission
expenses, which must be borne directly by the Fund and could generate short-term capital gain taxable as ordinary income, which could
have a negative impact on the Fund&#8217;s performance over time. Portfolio turnover is calculated by dividing the lesser of purchases
or sales of Fund securities during the fiscal year by the monthly average of the value of the Fund&#8217;s securities. (Excluded from
the computation are all securities, including options, with maturities at the time of acquisition of one year or less.) The portfolio
turnover rate for the Fund for the fiscal years ended December 31, 2020 and December 31, 2019 was 10% and 13%, respectively.</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><A NAME="tocsai_005"></A>Those Responsible for Management</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The business of the Fund is managed by the Board, including
certain Trustees who are not &#8220;interested persons&#8221; (as defined in the 1940 Act) of the fund (the &#8220;Independent Trustees&#8221;).
The Trustees elect officers who are responsible for the day-to-day operations of the fund and who execute policies formulated by the Trustees.
Several of the Trustees and officers of the Fund also are officers or directors of the Advisor. Each Trustee oversees the fund and other
funds in the John Hancock Fund Complex (as defined below).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The tables below present certain information regarding
the Trustees and officers of the Fund, including their principal occupations which, unless specific dates are shown, are of at least five
years&#8217; duration. In addition, the table includes information concerning other directorships held by each Trustee in other registered
investment companies or publicly traded companies. Information is listed separately for each Trustee who is an &#8220;interested person&#8221;
(as defined in the 1940 Act) of the Fund (each a &#8220;Non-Independent Trustee&#8221;) and the Independent Trustees. As of May 7, 2021,
the John Hancock Fund Complex consisted of 190 funds (including separate series of series mutual funds). The Board appointed Ms. Rathke
to serve as Independent Trustee on September 15, 2020. As of March 22, 2018, James R. Boyle is considered an Independent Trustee. The
address of each Trustee and officer of the Fund is 200 Berkeley Street, Boston, Massachusetts 02116. The Board consists of twelve members.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR>
    <TD COLSPAN="4" STYLE="padding-bottom: 4pt; vertical-align: top; border-bottom: Black 1pt solid; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Non-Independent Trustees</B></FONT></TD>
</TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 4pt; width: 17%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Name</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>(Birth Year)</B></P></TD>
    <TD STYLE="padding-top: 4pt; width: 17%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Positions with</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>the Fund</B><SUP>1</SUP></P></TD>
    <TD STYLE="padding-top: 4pt; width: 52%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Principal Occupation(s) and Other</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Directorships During the Past 5 Years</B></P></TD>
    <TD STYLE="padding-top: 4pt; width: 14%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Number of</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Funds in John</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Hancock Fund</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Complex</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Overseen by</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Trustee</B></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Andrew G. Arnott<SUP>2</SUP> (1971)</FONT></TD>
    <TD STYLE="padding-top: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Trustee (since 2017);</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">President (Since 2014)</P></TD>
    <TD STYLE="padding-right: 3pt; padding-top: 4pt; padding-left: 3pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 9pt">Head of Wealth and Asset Management, United States and Europe, for
    John Hancock and Manulife (since 2018); Director and Executive Vice President, John Hancock Investment Management LLC (since 2005, including
    prior positions); Director and Executive Vice President, John Hancock Variable Trust Advisers LLC (since 2006, including prior positions);
    President, John Hancock Investment Management Distributors LLC (since 2004, including prior positions); President of various trusts within
    the John Hancock Fund Complex (since 2007, including prior positions).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Trustee of various trusts within the John Hancock Fund Complex (since 2017).</P></TD>
    <TD STYLE="padding-top: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">190</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P></TD></TR>
  </TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="text-align: left; width: 100%"><A HREF="#toc1">Back To Table of Contents</A>&nbsp;</TD></TR></TABLE></DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR>
    <TD COLSPAN="4" STYLE="padding-bottom: 4pt; vertical-align: top; border-bottom: Black 1pt solid; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Non-Independent Trustees</B></FONT></TD>
</TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 4pt; padding-top: 4pt; width: 17%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Name</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>(Birth Year)</B></P></TD>
    <TD STYLE="padding-bottom: 4pt; padding-top: 4pt; width: 17%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Positions with</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>the Fund</B><SUP>1</SUP></P></TD>
    <TD STYLE="padding-bottom: 4pt; padding-top: 4pt; width: 52%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Principal Occupation(s) and Other</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Directorships During the Past 5 Years</B></P></TD>
    <TD STYLE="padding-bottom: 4pt; padding-top: 4pt; width: 14%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Number of</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Funds in John</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Hancock Fund</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Complex</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Overseen by</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Trustee</B></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Marianne Harrison&zwnj;<SUP>2</SUP><BR>
(1963)</FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">Trustee</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">(since 2018)</P></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">President and CEO, John Hancock (since 2017); President and CEO, Manulife
    Canadian Division (2013 &ndash; 2017); Member, Board of Directors, CAE Inc. (since 2019); Member, Board of Directors, MA Competitive Partnership
    Board (since 2018); Member, Board of Directors, American Council of Life Insurers (ACLI) (since 2018); Member, Board of Directors, Communitech,
    an industry-led innovation center that fosters technology companies in Canada (2017 - 2019); Member, Board of Directors, Manulife Assurance
    Canada (2015-2017); Board Member, St. Mary&rsquo;s General Hospital Foundation (2014-2017); Member, Board of Directors, Manulife Bank
    of Canada (2013-2017); Member, Standing Committee of the Canadian Life &amp; Health Assurance Association (2013-2017); Member, Board of
    Directors, John Hancock USA, John Hancock Life &amp; Health, John Hancock New York (2012 &ndash; 2013).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Trustee of various trusts within the John Hancock Fund Complex (since 2018).</P></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">190</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P></TD></TR>
  </TABLE>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 4pt; text-align: center"><B>Independent Trustees</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 4pt; width: 17%; border-top: Black 1pt solid; padding-bottom: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Name</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>(Birth Year)</B></P></TD>
    <TD STYLE="padding-top: 4pt; width: 17%; border-top: Black 1pt solid; padding-bottom: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Position(s) with</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>the Fund</B><SUP>1</SUP></P></TD>
    <TD STYLE="padding-top: 4pt; width: 52%; border-top: Black 1pt solid; padding-bottom: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Principal Occupation(s) and Other</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Directorships During the Past 5 Years</B></P></TD>
    <TD STYLE="padding-top: 4pt; width: 14%; border-top: Black 1pt solid; padding-bottom: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Number of</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Funds in John</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Hancock Fund</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Complex</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Overseen by</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Trustee</B></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">Charles L. Bardelis</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">(1941)</P></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">Trustee</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">(since 2012)</P></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Director, Island Commuter Corp. (marine transport).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Trustee of various trusts within the John Hancock Fund
    Complex (since 1988).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><BR>
    <BR>
    </P></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">190</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: #221E1F">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">James R. Boyle&#8204;<SUP>3</SUP> (1959)</FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Trustee</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">(since 2015)</P></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Chief Executive Officer, Foresters Financial (since
    2018); Chairman and Chief Executive Officer, Zillion Group, Inc. (formerly HealthFleet, Inc.) (healthcare) (2014-2018); Executive Vice
    President and Chief Executive Officer, U.S. Life Insurance Division of Genworth Financial, Inc. (insurance) (January 2014&#8211;July 2014);
    Senior Executive Vice President, Manulife Financial, President and Chief Executive Officer, John Hancock (1999-2012); Chairman and Director,
    John Hancock Investment Management LLC, John Hancock Investment Management Distributors LLC, and John Hancock Variable Trust Advisers
    LLC (2005&#8211;2010).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Trustee of various trusts within the John Hancock Fund
    Complex (2005&#8211;2014 and since 2015).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">
    </P></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">190</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P></TD></TR>
  </TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 4pt; width: 17%; border-top: Black 1pt solid; padding-bottom: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Name</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>(Birth Year)</B></P></TD>
    <TD STYLE="padding-top: 4pt; width: 17%; border-top: Black 1pt solid; padding-bottom: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Position(s) with</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>the Fund</B><SUP>1</SUP></P></TD>
    <TD STYLE="padding-top: 4pt; width: 52%; border-top: Black 1pt solid; padding-bottom: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Principal Occupation(s) and Other</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Directorships During the Past 5 Years</B></P></TD>
    <TD STYLE="padding-top: 4pt; width: 14%; border-top: Black 1pt solid; padding-bottom: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Number of</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Funds in John</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Hancock Fund</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Complex</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Overseen by</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Trustee</B></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">Peter S. Burgess</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">(1942)</P></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">Trustee</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">(since 2012)</P></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Consultant (financial, accounting, and auditing matters)
    (since 1999); Certified Public Accountant; Partner, Arthur Andersen (independent public accounting firm) (prior to 1999); Director, Lincoln
    Educational Services Corporation (2004-2021); Director, Symetra Financial Corporation (2010&#8211;2016); Director, PMA Capital Corporation
    (2004&#8211;2010).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">
    <BR>
    </P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Trustee of various trusts within the John Hancock Fund
    Complex (since 2005).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><BR>

    </P></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">190</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: #221E1F">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">William H. Cunningham</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">(1944)</P></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">Trustee</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">(since 2005)</P></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Professor, University of Texas, Austin, Texas (since
    1971); former Chancellor, University of Texas System and former President of the University of Texas, Austin, Texas; Chairman (since 2009)
    and Director (since 2006), Lincoln National Corporation (insurance); Director, Southwest Airlines (since 2000); former Director, LIN Television
    (2009-2014).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><BR>
    Trustee of various trusts within the John Hancock Fund Complex (since 1986).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><BR>

    </P></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">190</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">Grace K. Fey</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">(1946)</P></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Trustee</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">(since 2012)</P></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Chief Executive Officer, Grace Fey Advisors (since
    2007); Director and Executive Vice President, Frontier Capital Management Company (1988&#8211;2007); Director, Fiduciary Trust (since
    2009).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><BR>
    Trustee of various trusts within the John Hancock Fund Complex (since 2008).</P>

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">190</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: #221E1F">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">Deborah C. Jackson</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">(1952)</P></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">Trustee</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">(since 2008)</P></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">President, Cambridge College, Cambridge, Massachusetts
    (since 2011); Board of Directors, Amwell Corporation (since 2020); Board of Directors, Massachusetts Women&#8217;s Forum (2018-2020);
    Board of Directors, National Association of Corporate Directors/New England (2015-2020); Board of Directors, Association of Independent
    Colleges and Universities of Massachusetts (2014-2017); Chief Executive Officer, American Red Cross of Massachusetts Bay (2002&#8211;2011);
    Board of Directors of Eastern Bank Corporation (since 2001); Board of Directors of Eastern Bank Charitable Foundation (since 2001); Board
    of Directors of American Student Assistance Corporation (1996&#8211;2009); Board of Directors of Boston Stock Exchange (2002&#8211;2008);
    Board of Directors of Harvard Pilgrim Healthcare (health benefits company) (2007&#8211;2011).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Trustee of various trusts within the John Hancock Fund
    Complex (since 2008).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">
    </P></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">190</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P></TD></TR>
  </TABLE>



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    <!-- Field: /Page -->



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 4pt; width: 17%; border-top: Black 1pt solid; padding-bottom: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Name</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>(Birth Year)</B></P></TD>
    <TD STYLE="padding-top: 4pt; width: 17%; border-top: Black 1pt solid; padding-bottom: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Position(s) with</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>the Fund</B><SUP>1</SUP></P></TD>
    <TD STYLE="padding-top: 4pt; width: 52%; border-top: Black 1pt solid; padding-bottom: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Principal Occupation(s) and Other</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Directorships During the Past 5 Years</B></P></TD>
    <TD STYLE="padding-top: 4pt; width: 14%; border-top: Black 1pt solid; padding-bottom: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Number of</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Funds in John</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Hancock Fund</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Complex</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Overseen by</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Trustee</B></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">Hassell H. McClellan</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">(1945)</P></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">Trustee</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">(since 2012) and</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">Chairperson of the Board (since 2017)</P></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Director/Trustee, Virtus Funds (since 2008); Director,
    The Barnes Group (since 2010); Associate Professor, The Wallace E. Carroll School of Management, Boston College (retired 2013).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><BR>
    Trustee (since 2005) and Chairperson of the Board (since 2017) of various trusts within the John Hancock Fund Complex.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">190</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: #221E1F">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">Steven R. Pruchansky</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">(1944)</P></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">Trustee (since 2005) and Vice Chairperson of the Board (since 2012)</P></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Managing Director, Pru Realty (since 2017); Chairman
    and Chief Executive Officer, Greenscapes of Southwest Florida, Inc. (2014-2020); Director and President, Greenscapes of Southwest Florida,
    Inc. (until 2000); Member, Board of Advisors, First American Bank (until 2010); Managing Director, Jon James, LLC (real estate) (since
    2000); Partner, Right Funding, LLC (2014-2017); Director, First Signature Bank &amp; Trust Company (until 1991); Director, Mast Realty
    Trust (until 1994); President, Maxwell Building Corp. (until 1991).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><BR>
    Trustee (since 1992), Chairperson of the Board (2011&#8211;2012), and Vice Chairperson of the Board (since 2012) of various trusts within
    the John Hancock Fund Complex.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">
    <BR>
    </P></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">190</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">Frances G. Rathke</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">(1960)</P></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">Trustee<BR>
    (since 2020)</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">&nbsp;</P></TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0; text-align: justify">Director, Northern New England Energy Corporation
    (since 2017); Director, Audit Committee Chair and Compensation Committee Member, Green Mountain Power Corporation (since 2016); Director,
    Treasurer and Finance &amp; Audit Committee Chair, Flynn Center for Performing Arts (since 2016); Director, Audit Committee Chair and
    Compensation Committee Member, Planet Fitness (since 2016); Director, Citizen Cider, Inc. (high-end hard cider and hard seltzer company)
    (since 2016); Chief Financial Officer and Treasurer, Keurig Green Mountain, Inc. (2003-retired 2015); Independent Financial Consultant,
    Frances Rathke Consulting (strategic and financial consulting services) (2001-2003); Chief Financial Officer and Secretary, Ben &amp;
    Jerry&#8217;s Homemade, Inc. (1989-2000, including prior positions); Senior Manager, Coopers &amp; Lybrand, LLC (independent public accounting
    firm) (1982-1989).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><BR>
    Trustee of various trusts within the John Hancock Fund Complex (since 2020).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">190</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">Gregory A. Russo</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">(1949)</P></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">Trustee</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0">(since 2008)</P></TD>
    <TD STYLE="padding-right: 3pt; font: 12pt Times New Roman, Times, Serif; text-align: justify; padding-left: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Director and Audit Committee Chairman (2012-2020), and Member, Audit Committee and Finance Committee (2011-2020), NCH Healthcare System, Inc. (holding company for multi-entity healthcare system); Director and Member (2012-</FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">190</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P></TD></TR>
  </TABLE>



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  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 4pt; width: 17%; border-top: Black 1pt solid; padding-bottom: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Name</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>(Birth Year)</B></P></TD>
    <TD STYLE="padding-top: 4pt; width: 17%; border-top: Black 1pt solid; padding-bottom: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Position(s) with</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>the Fund</B><SUP>1</SUP></P></TD>
    <TD STYLE="padding-top: 4pt; width: 52%; border-top: Black 1pt solid; padding-bottom: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Principal Occupation(s) and Other</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Directorships During the Past 5 Years</B></P></TD>
    <TD STYLE="padding-top: 4pt; width: 14%; border-top: Black 1pt solid; padding-bottom: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Number of</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Funds in John</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Hancock Fund</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Complex</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Overseen by</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Trustee</B></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-top: 3pt; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3pt; padding-left: 3pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">2018), and Finance Committee Chairman (2014-2018),
    The Moorings, Inc. (nonprofit continuing care community); Vice Chairman, Risk &amp; Regulatory Matters, KPMG LLP (KPMG) (2002&#8211;2006);
    Vice Chairman, Industrial Markets, KPMG (1998&#8211;2002); Chairman and Treasurer, Westchester County, New York, Chamber of Commerce (1986&#8211;1992);
    Director, Treasurer and Chairman of Audit and Finance Committees, Putnam Hospital Center (1989&#8211;1995); Director and Chairman of Fundraising
    Campaign, United Way of Westchester and Putnam Counties, New York (1990&#8211;1995).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Trustee of various trusts within the John Hancock Fund
    Complex (since 2008).</P></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt 18pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">1</TD><TD STYLE="text-align: justify">Mr. Arnott, Ms. Jackson, and Mr. Pruchansky serve as Trustees for a term expiring in 2022; Mr. Boyle,
Mr. Cunningham, Ms. Fey, Mr. McClellan and Mr. Russo serve as Trustees for a term expiring in 2023; Mr. Bardelis, Mr. Burgess, Ms. Harrison
and Ms. Rathke serve as Trustees for a term expiring in 2024.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 15.95pt">2</TD><TD STYLE="text-align: justify">The Trustee is a Non-Independent Trustee due to his position with the Advisor and certain of its affiliates.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 6pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 15.95pt; text-align: left">3</TD><TD STYLE="width: 0%"></TD><TD STYLE="text-align: justify">Mr. Boyle served as Trustee at various time periods prior to 2015.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 12pt; text-align: justify">Correspondence intended for any of the Trustees
may be sent to the attention of the individual Trustee or to the Board c/o the Secretary of the Fund at 200 Berkeley Street, Boston, Massachusetts
02116-2805. All communications addressed to the Board or individual Trustee will be logged and sent to the Board or individual Trustee.
The Secretary may determine not to forward any letter to Trustees that does not relate to the business of the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify"><B>Principal Officers who are not Trustees</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The following table presents information regarding
the current principal officers of the Fund who are not Trustees, including their principal occupations which, unless specific dates are
shown, are of at least five years&#8217; duration. Each of the officers is an affiliated person of the Advisor. All of the officers listed
are officers or employees of the Advisor or its affiliates. All of the officers also are officers of all of the other funds for which
the Advisor serves as investment advisor.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Principal Officers who are not Trustees</B></P>

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  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 3pt 0; width: 25%; text-indent: 0">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0"><B>Name<BR>
(Birth Year)</B></P></TD>
    <TD STYLE="padding: 3pt; width: 30%; text-indent: 0">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0"><B>Position(s) with<BR>
the Fund<SUP>1</SUP></B></P></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; width: 45%; text-align: center; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Principal Occupation(s) During Past 5 Years</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; text-indent: 0">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Charles A. Rizzo</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">(1957)</P></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Chief Financial Officer (since 2007)</FONT></TD>
    <TD STYLE="padding: 3pt 0; text-indent: 0">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Vice President, John Hancock Financial Services (since
    2008); Senior Vice President, John Hancock Investment Management LLC and John Hancock Variable Trust Advisers LLC (since 2008); Chief
    Financial Officer of various trusts within the John Hancock Fund Complex (since 2007).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; text-indent: 0">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Salvatore Schiavone</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">(1965)</P></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Treasurer (2007-2009 and since 2010, including prior positions)</FONT></TD>
    <TD STYLE="padding: 3pt 0; text-indent: 0">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Assistant Vice President, John Hancock Financial Services (since 2007);
    Vice President, John Hancock Investment Management LLC and John Hancock Variable Trust Advisers LLC (since 2007); Treasurer of various
    trusts within the John Hancock Fund Complex (since 2007, including prior positions).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P></TD></TR>
  </TABLE>

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    <TD STYLE="padding: 3pt 0; width: 25%; text-indent: 0">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0"><B>Name<BR>
(Birth Year)</B></P></TD>
    <TD STYLE="padding: 3pt; width: 30%; text-indent: 0">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0"><B>Position(s) with<BR>
the Fund<SUP>1</SUP></B></P></TD>
    <TD STYLE="padding: 3pt 0; width: 45%; font: 12pt Times New Roman, Times, Serif; text-align: center; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Principal Occupation(s) During Past 5 Years</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Christopher (Kit)
Sechler<BR>
(1973)</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Secretary and Chief Legal Officer (Since 2018); Assistant Secretary (2009-2018)</FONT></TD>
    <TD STYLE="padding: 3pt 0; text-indent: 0">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Vice President and Deputy Chief Counsel, John Hancock Investment Management
    (since 2015); Assistant Vice President and Senior Counsel (2009&#8211;2015), John Hancock Investment Management; Assistant Secretary of
    John Hancock Investment Management LLC and John Hancock Variable Trust Advisers LLC (since 2009); Chief Legal Officer and Secretary of
    various trusts within the John Hancock Fund Complex (since 2009, including prior positions).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Trevor Swanberg<BR>
(1979)</FONT></TD>
    <TD STYLE="padding: 3pt; text-indent: 0">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Chief Compliance Officer</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">(since 2020)</P></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Chief Compliance Officer, John Hancock Investment Management LLC, and John Hancock Variable Trust Advisers LLC (since 2020); Deputy Chief Compliance Officer, John Hancock Investment Management LLC and John Hancock Variable Trust Advisers LLC (2019&#8211;2020); Assistant Chief Compliance Officer, John Hancock Investment Management LLC and John Hancock Variable Trust Advisers LLC (2016&#8211;2019); Vice President, State Street Global Advisors (2015&#8211;2016); Chief Compliance Officer of various trusts within the John Hancock Fund Complex (since 2016, including prior positions).</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

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<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">1</TD><TD STYLE="text-align: justify">Each officer holds office for an indefinite term until his or her successor is duly elected and qualified
or until he/she dies, retires, resigns, is removed or becomes disqualified.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Additional Information about the Trustees</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In addition to the description of each Trustee&#8217;s
Principal Occupation(s) and Other Directorships set forth above, the following provides further information about each Trustee&#8217;s
specific experience, qualifications, attributes or skills with respect to the Fund. The information in this section should not be understood
to mean that any of the Trustees is an &#8220;expert&#8221; within the meaning of the U.S. federal securities laws.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">There are no specific required qualifications for Board
membership. The Board believes that the different perspectives, viewpoints, professional experience, education, and individual qualities
of each Trustee represent a diversity of experiences and a variety of complementary skills. Each Trustee has experience as a Trustee of
the Fund, as well as experience as a Trustee of other John Hancock funds. It is the Trustees&#8217; belief that this allows the Board,
as a whole, to oversee the business of the Fund in a manner consistent with the best interests of the Fund&#8217;s shareholders. When
considering potential nominees to fill vacancies on the Board, and as part of its annual self-evaluation, the Board reviews the mix of
skills and other relevant experiences of the Trustees.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Independent Trustees</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><I>Charles L. Bardelis </I>&#8212; As a director and
former chief executive of an operating company, Mr. Bardelis has experience with a variety of financial, staffing, regulatory and operational
issues. He also has experience as a director of publicly traded companies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><BR>
<I>James R. Boyle </I>&#8212; Through his former positions as chairman and director of the Advisor, position as a senior executive of
MFC, the Advisor&#8217;s parent company, and positions with other affiliates of the Advisor, Mr. Boyle has leadership and operational
experience in the development and management of registered investment companies, variable annuities and retirement products, enabling
him to provide management input to the Board. He also has experience as a senior executive of healthcare and insurance companies, and
an auditor.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify"><I>Peter S. Burgess </I>&#8212; As a financial
consultant, Certified Public Accountant, and former partner in a major international public accounting firm, Mr. Burgess has experience
in the auditing of financial services companies and mutual funds. He also has experience as a director of publicly traded operating companies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><I>William H. Cunningham &#8212; </I>Mr. Cunningham
has management and operational oversight experience as a former Chancellor and President of a major university. Mr. Cunningham regularly
teaches a graduate course in corporate governance at the law school and at the Red McCombs School of Business at The University of Texas
at Austin. He also has oversight and corporate governance experience as a current and former director of a number of operating companies,
including an insurance company.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><BR>
<I>Grace K. Fey </I>&#8212; Ms. Fey has significant governance, financial services, and asset management industry expertise based on her
extensive non-profit board experience, as well as her experience as a consultant to non-profit and corporate boards, and as a former director
and executive of an investment management firm.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify"><I>Deborah C. Jackson </I>&#8212; Ms. Jackson
has leadership, governance, management, and operational oversight experience as the lead director of a large bank, president of a college,
and as the former chief executive officer of a major charitable organization. She also has expertise in financial services matters and
oversight and corporate governance experience as a current and former director of various other corporate organizations, including an
insurance company, a regional stock exchange, a telemedicine company, and non-profit entities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><BR>
<I>Hassell H. McClellan </I>&#8212; As a former professor of finance and policy in the graduate management department of a major university,
a current director of a public company, and as a former director of several privately held companies, Mr. McClellan has experience in
corporate and financial matters. He also has experience as a director of other investment companies not affiliated with the Trust.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><I>Steven R. Pruchansky </I>&#8212; Mr. Pruchansky
has entrepreneurial, executive and financial experience as a senior officer and chief executive of business in the retail, service and
distribution companies and a current and former director of real estate and banking companies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><BR>
<I>Frances G. Rathke</I> &#8212; Through her former positions in senior financial roles, as a former certified public accountant, and
as a consultant on strategic and financial matters, Ms. Rathke has experience as a leader overseeing, conceiving, implementing, and analyzing
strategic and financial growth plans, and financial statements. Ms. Rathke also has experience in the auditing of financial statements
and related materials. In addition, she has experience as a director of various organizations, including a publicly traded company and
a non-profit entity.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify"><I><BR>
Gregory A. Russo </I>&#8212; As a retired Certified Public Accountant, Mr. Russo served as a partner and Global Vice Chairman in a major
independent registered public accounting firm as well as a member of its geographic boards of directors and International Executive Team.
He has also served on a number of boards of directors for various operating entities. As a result of Mr. Russo&#8217;s diverse global
responsibilities, he possesses accounting, finance and executive operating experience.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-align: justify"><B><BR>
Non-Independent Trustees<BR>
<BR>
</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><I>Andrew G. Arnott </I>&#8212; Through his positions
as Executive Vice President of John Hancock Financial Services; Director and Executive Vice President of the Advisor and an affiliated
investment advisor, John Hancock Variable Trust Advisers LLC; President of John Hancock Investment Management Distributors LLC; and President
of the John Hancock Fund Complex, Mr. Arnott has experience in the management of investments, registered investment companies, variable
annuities and retirement products, enabling him to provide management input to the Board.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><I>Marianne Harrison </I>&#8212; Through her position
as President and CEO, John Hancock, and previous experience as President and CEO, Manulife Canadian Division, President and General Manager
for John Hancock Long-Term Care Insurance, and Executive Vice President and Controller for Manulife, Ms. Harrison has experience as a
strategic business builder expanding product offerings and distribution, enabling her to provide management input to the Board.</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Duties of Trustees; Committee Structure</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund is organized as a Massachusetts business trust.
Under the Declaration of Trust, the Trustees are responsible for managing the affairs of the Fund, including the appointment of advisors
and subadvisors. Each Trustee has the experience, skills, attributes or qualifications described above (see &#8220;&#8212;Principal Occupation(s)
and Other Directorships&#8221; and &#8220;&#8212;Additional Information about the Trustees&#8221; above). The Board appoints officers
who assist in managing the day-to-day affairs of the Fund. The Board met 6 times during the latest fiscal year.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Board has appointed an Independent Trustee as Chairperson.
The Chairperson presides at meetings of the Trustees and may call meetings of the Board and any Board committee whenever he deems it necessary.
The Chairperson participates in the preparation of the agenda for meetings of the Board and the identification of information to be presented
to the Board with respect to matters to be acted upon by the Board. The Chairperson also acts as a liaison with the Fund&#8217;s management,
officers, attorneys, and other Trustees generally between meetings. The Chairperson may perform such other functions as may be requested
by the Board from time to time. The Board has also designated a Vice Chairperson to serve in the absence of the Chairperson. Except for
any duties specified in this SAI or pursuant to the Fund&#8217;s Declaration of Trust or Amended and Restated By-Laws (the &#8220;By-Laws),
or as assigned by the Board, the designation of a Trustee as Chairperson or Vice Chairperson does not impose on that Trustee any duties,
obligations or liability that are greater than the duties, obligations or liability imposed on any other Trustee, generally. The Board
has designated a number of standing committees as further described below, each of which has a Chairperson. The Board also may designate
working groups or ad hoc committees as it deems appropriate.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Board believes that this leadership structure is
appropriate because it allows the Board to exercise informed and independent judgment over matters under its purview, and it allocates
areas of responsibility among committees or working groups of Trustees and the full Board in a manner that enhances effective oversight.
The Board considers leadership by an Independent Trustee as Chairperson to be integral to promoting effective independent oversight of
the Fund&#8217;s operations and meaningful representation of the shareholders&#8217; interests. The Board also believes that having a
super-majority of Independent Trustees is appropriate and in the best interest of the Fund&#8217;s shareholders. Nevertheless, the Board
also believes that having interested persons serve on the Board brings corporate and financial viewpoints that are, in the Board&#8217;s
view, helpful elements in its decision-making process. In addition, the Board believes that Messrs. Arnott and Boyle and Ms. Harrison,
as current or former executives of the Advisor (or of its parent company, MFC), and of other affiliates of the Advisor, provide the Board
with the perspective of the Advisor in managing and sponsoring the Fund. The leadership structure of the Board may be changed, at any
time and in the discretion of the Board, including in response to changes in circumstances or the characteristics of the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><I>Board Committees</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Board has established an Audit Committee; Compliance
Committee; Contracts, Legal &amp; Risk Committee; Nominating and Governance Committee; and Investment Committee.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify"><B>Audit Committee.</B> The Board has a standing
Audit Committee composed solely of Independent Trustees (Messrs. Bardelis, Burgess, and Ms. Rathke). Mr. Burgess serves as Chairperson
of this Committee. This Committee met 4 times during the fiscal year ended December 31, 2020, to review the internal and external accounting
and auditing procedures of the Fund and, among other things, to consider the selection of an independent registered public accounting
firm for the Fund, to approve all significant services proposed to be performed by its independent registered public accounting firm and
to consider the possible effect of such services on its independence.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify"><B>Compliance Committee</B>. The Board also
has a standing Compliance Committee (Mses. Fey and Jackson and Mr. Cunningham). This Committee reviews and makes recommendations to the
full Board regarding certain compliance matters relating to the Fund. Ms. Fey serves as Chairperson of this Committee. This Committee
met 4 times during the fiscal year ended December 31, 2020.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Contracts, Legal &amp; Risk Committee</B>.
The Board also has a standing Contracts, Legal &amp; Risk Committee (Messrs. Boyle, Pruchansky and Russo). This Committee oversees the
initiation, operation, and renewal of the various contracts between the funds and other entities. These contracts include advisory and
subadvisory agreements, custodial and transfer agency agreements and arrangements with other service providers. The Committee also reviews
the significant legal affairs of the funds, as well as any significant regulatory and legislative actions or proposals affecting or relating
to the funds or their service providers. The Committee also assists the Board in its oversight role with respect to the processes pursuant
to which the Advisor and the Subadvisor identify, manage and report the various risks that affect or could affect the funds. Mr. Russo
serves as Chairperson of this Committee. The Contracts, Legal &amp; Risk Committee</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> held 4 meetings during the fiscal year ended December
31, 2020.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Nominating and Governance Committee.</B> The Board
also has a Nominating and Governance Committee composed of all of the Independent Trustees. This Committee will consider nominees recommended
by Trust shareholders. Nominations should be forwarded to the attention of the Secretary of the Trust at 200 Berkeley Street, Boston,
Massachusetts 02116. Any shareholder nomination must be submitted in compliance with all of the pertinent provisions of Rule 14a-8 under
the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), in order to be considered by this Committee. This Committee
met 5 times during the fiscal year ended December 31, 2020.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Investment Committee</B>. The Board also has an
Investment Committee composed of all of the Trustees. The Investment Committee has 5 subcommittees with the Trustees divided among the
five subcommittees (each an &#8220;Investment Sub- Committee&#8221;). Ms. Jackson and Messrs. Bardelis, Boyle, and Cunningham serve as
Chairpersons of the Investment Sub-Committees. Each Investment Sub-Committee reviews investment matters relating to a particular group
of funds in the John Hancock Fund Complex and coordinates with the full Board regarding investment matters. The Investment Committee met
5 times during the fiscal year ended December 31, 2020.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Annually, the Board evaluates its performance and that of its Committees,
including the effectiveness of the Board&#8217;s Committee structure.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><I>Risk Oversight</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">As a registered investment company, the Fund is subject
to a variety of risks, including investment risks (such as, among others, market risk, credit risk and interest rate risk), financial
risks (such as, among others, settlement risk, liquidity risk and valuation risk), compliance risks, and operational risks. As a part
of its overall activities, the Board oversees the Fund&#8217;s risk management activities that are implemented by the Advisor, the Fund&#8217;s
Chief Compliance Officer (&#8220;CCO&#8221;) and other service providers to the Fund. The Advisor has primary responsibility for the Fund&#8217;s
risk management on a day-to-day basis as a part of its overall responsibilities. The Fund&#8217;s Subadvisor, subject to oversight of
the Advisor, is primarily responsible for managing investment and financial risks as a part of its day-to-day investment responsibilities,
as well as operational and compliance risks at its firm. The Advisor and the CCO also assist the Board in overseeing compliance with investment
policies of the Fund and regulatory requirements, and monitor the implementation of the various compliance policies and procedures approved
by the Board as a part of its oversight responsibilities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisor identifies to the Board the risks that
it believes may affect the Fund and develops processes and controls regarding such risks. However, risk management is a complex and dynamic
undertaking and it is not always possible to comprehensively identify and/or mitigate all such risks at all times since risks are at times
impacted by external events. In discharging its oversight responsibilities, the Board considers risk management issues throughout the
year with the assistance of its various Committees as described below. Each Committee meets at least quarterly and presents reports to
the Board, which may prompt further discussion of issues concerning the oversight of the Fund&#8217;s risk management. The Board as a
whole also reviews written reports or presentations on a variety of risk issues as needed and may discuss particular risks that are not
addressed in the Committee process.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Board has established an Investment Committee,
which consists of five Investment Sub-Committees. Each Investment Sub-Committee assists the Board in overseeing the significant investment
policies of the Fund and the performance of its subadvisors. The Advisor monitors these policies and subadvisor activities and may recommend
changes in connection with the Fund to the relevant Investment Sub-Committee in response to subadvisor requests or other circumstances.
On at least a quarterly basis, the Investment Sub-Committee reviews reports from the Advisor regarding the Fund&#8217;s investment performance,
which include information about investment and financial risks and how they are managed, and from the CCO or his/her designee regarding
subadvisor compliance matters. In addition, the Investment Sub-Committee meets periodically with the portfolio managers of the Fund&#8217;s
subadvisor to receive reports regarding management of the Fund, including with respect to risk management processes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Audit Committee assists the Board in reviewing
with the independent auditors, at various times throughout the year, matters relating to the Fund&#8217;s financial reporting. In addition,
this Committee oversees the process of the Fund&#8217;s valuation of its portfolio securities, assisted by the Fund&#8217;s Pricing Committee
(composed of officers of the Fund), which calculates fair value determinations pursuant to procedures adopted by the Board.</P>






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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Compliance Committee assists the Board in overseeing
the activities of the Fund&#8217;s CCO with respect to the compliance programs of the Fund, the Advisor, the subadvisor, and certain of
the Fund&#8217;s other service providers (the distributor and transfer agent). This Committee and
the Board receive and consider periodic reports from the CCO throughout the year, including the CCO&#8217;s annual written report, which,
among other things, summarizes material compliance issues that arose during the previous year and any remedial action taken to address
these issues, as well as any material changes to the compliance programs</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Contracts, Legal &amp; Risk Committee assists the
Board in its oversight role with respect to the processes pursuant to which the Advisor and the subadvisor identify, assess, manage and
report the various risks that affect or could affect the Fund. This Committee reviews reports from the Fund&#8217;s Advisor on a periodic
basis regarding the risks facing the Fund, and makes recommendations to the Board concerning risks and risk oversight matters as the Committee
deems appropriate. This Committee also coordinates with the other Board Committees regarding risks relevant to the other Committees, as
appropriate.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In addressing issues regarding the Fund&#8217;s risk
management between meetings, appropriate representatives of the Advisor communicate with the Chairperson of the Board, the relevant Committee
Chair, or the Fund&#8217;s CCO, who is directly accountable to the Board. As appropriate, the Chairperson of the Board, the Committee
Chairs and the Trustees confer among themselves, with the Fund&#8217;s CCO, the Advisor, other service providers, external fund counsel,
and counsel to the Independent Trustees, to identify and review risk management issues that may be placed on the full Board&#8217;s agenda
and/or that of an appropriate Committee for review and discussion.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In addition, in its annual review of the Fund&#8217;s
advisory, subadvisory and distribution agreements, the Board reviews information provided by the Advisor, the subadvisor and the distributor
relating to their operational capabilities, financial condition, risk management processes and resources.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisor also has its own, independent interest
in risk management. In this regard, the Advisor has appointed a Risk and Investment Operations Committee, consisting of senior personnel
from each of the Advisor&#8217;s functional departments. This Committee reports periodically to the Board and the Contracts, Legal &amp;
Risk Committee on risk management matters. The Advisor&#8217;s risk management program is part of the overall risk management program
of John Hancock, the Advisor&#8217;s parent company. John Hancock&#8217;s Chief Risk Officer supports the Advisor&#8217;s risk management
program, and at the Board&#8217;s request will report on risk management matters.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Compensation of Trustees</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund pays fees to its Independent Trustees. Trustees
also are reimbursed for travel and other out-of-pocket expenses. Each Independent Trustee receives in the aggregate from the Fund and
the other closed-end funds in the John Hancock Fund Complex an annual retainer of $40,000.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The following table provides information regarding
the compensation paid by the Fund and the other investment companies in the John Hancock Fund Complex to the Independent Trustees for
their services during the Fund&#8217;s fiscal year ended December 31, 2020.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Compensation Table<SUP>1</SUP></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; vertical-align: bottom; width: 47%; text-align: left; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>Independent Trustees</U></B></FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; vertical-align: bottom; padding: 3pt 0; width: 18%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;Fund&#9;</U></B></FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; vertical-align: bottom; width: 35%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;John Hancock Fund Complex</U></B></FONT></TD></TR>
  <TR STYLE="background-color: rgb(210,247,250)">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Charles L. Bardelis</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4,000</FONT></TD>
    <TD STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$410,000</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">James R. Boyle</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4,000</FONT></TD>
    <TD STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$388,000</FONT></TD></TR>
  <TR STYLE="background-color: rgb(210,247,250)">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Peter S. Burgess</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4,000</FONT></TD>
    <TD STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$430,000</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">William H. Cunningham</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4,000</FONT></TD>
    <TD STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$410,000</FONT></TD></TR>
  <TR STYLE="background-color: rgb(210,247,250)">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Grace K. Fey</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4,000</FONT></TD>
    <TD STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$430,000</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Deborah C. Jackson</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4,000</FONT></TD>
    <TD STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$410,000</FONT></TD></TR>
  <TR STYLE="background-color: rgb(210,247,250)">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Hassell H. McClellan</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4,000</FONT></TD>
    <TD STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$550,000</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">James M. Oates<SUP>2</SUP></FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4,000</FONT></TD>
    <TD STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$410,000</FONT></TD></TR>
  <TR STYLE="background-color: rgb(210,247,250)">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Steven R. Pruchansky</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4,000</FONT></TD>
    <TD STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$410,000</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Frances G. Rathke<SUP>3</SUP></FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,000</FONT></TD>
    <TD STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$126,082</FONT></TD></TR>
  <TR STYLE="background-color: rgb(210,247,250)">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Gregory A. Russo</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4,000</FONT></TD>
    <TD STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$430,000</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>Non-Independent Trustees</U></B></FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt 0; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; padding: 3pt 0">&nbsp;</TD></TR>
  <TR STYLE="background-color: rgb(210,247,250)">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Andrew G. Arnott</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0</FONT></TD>
    <TD STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; padding: 3pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0</FONT></TD></TR>
</TABLE>







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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; vertical-align: bottom; width: 47%; text-align: left; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>Independent Trustees</U></B></FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; vertical-align: bottom; padding: 3pt 0; width: 18%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;Fund&#9;</U></B></FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; vertical-align: bottom; width: 35%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;John Hancock Fund Complex</U></B></FONT></TD></TR>
  <TR STYLE="background-color: rgb(210,247,250)">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; vertical-align: top; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Marianne Harrison</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0</FONT></TD>
    <TD STYLE="padding: 3pt 0; text-indent: 0">
    <P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0">$0</P>
</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0"><SUP>1</SUP> The Trust does not have a pension or retirement plan for any
of its Trustees or officers.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>2</SUP> Mr. Oates retired as Trustee effective April 30, 2021.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>3</SUP> Appointed to the Board on September 15, 2020.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Trustee Ownership of Shares of John Hancock Funds</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The table below sets forth the aggregate dollar range
of equity securities beneficially owned by the Trustees in the Fund and in all John Hancock funds overseen by each Trustee as of December
31, 2020. The information as to beneficial ownership is based on statements furnished to the Fund by the Trustees. Each of the Trustees
has all voting and investment powers with respect to the shares indicated.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">
&nbsp;
</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: bottom; font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; width: 47%; text-indent: 0; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>Trustees</U></B></FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; vertical-align: bottom; width: 18%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;Fund&#9;</U></B></FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; vertical-align: bottom; width: 35%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>&#9;John
    Hancock Fund Complex&#9;</U></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><I>Independent
    Trustees</I></B></FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Charles
    L. Bardelis</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;$10,001-$50,000</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Over
    $100,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">James
    R. Boyle</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$10,001-$50,000</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Over
    $100,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Peter
    S. Burgess</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$10,001-$50,000</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Over
    $100,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">William
    H. Cunningham</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$10,001-$50,000</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Over
    $100,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Grace
    K. Fey</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$10,001-$50,000</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Over
    $100,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Deborah
    C. Jackson</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$10,001-$50,000</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Over
    $100,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Hassell
    H. McClellan</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$10,001-$50,000</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Over
    $100,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Steven
    R. Pruchansky</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$10,001-$50,000</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Over
    $100,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Frances
    G. Rathke<SUP>1</SUP></FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$10,001-$50,000</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Over
    $100,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Gregory
    A. Russo</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$10,001-$50,000</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Over
    $100,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 3pt 0 3pt 3pt; text-indent: 0"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><I>&nbsp;</I></B></FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><I>Non-Independent
    Trustees</I></B></FONT></P></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: right; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Andrew
    G. Arnott</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">None</FONT></TD>
    <TD STYLE="padding: 3pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"> Over $100,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0 3pt 3pt; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Marianne
    Harrison</FONT></TD>
    <TD STYLE="padding: 3pt 0; font: 12pt Times New Roman, Times, Serif; text-align: center; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">None</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Over
    $100,000</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>1</SUP> Appointed to the Board on September 15, 2020.</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><A NAME="tocsai_006"></A>Shareholders of the Fund</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">As of June 15, 2021, the officers and Trustees
of the Fund as a group owned beneficially less than 1% of the outstanding shares of the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">A control person is a person who owns, either directly
or indirectly, beneficially more than 25% of the voting securities of a company. To the best knowledge of the Fund, the shareholders (principal
holders) listed below owned more than 5% of the fund&#8217;s shares as of June 15, 2021.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 3pt; width: 39%; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Name and Address of Owner</B></FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; width: 24%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Amount</B></FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding: 3pt; width: 37%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Percent</B></FONT></TD></TR>

  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 3pt; width: 39%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Morgan Stanley Smith Barney LLC<BR>
    1585 Broadway</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">New York, NY 10036</P></TD>
    <TD STYLE="text-align: center; padding: 3pt; width: 27%; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,402,914</FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; width: 34%; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7.50%&zwnj;<SUP>1</SUP></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0"><I><SUP>1 </SUP>Based on a Schedule 13G filing dated February 11, 2021.</I></P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 3pt; text-align: center"><A NAME="tocsai_007"></A>Investment Advisory and Other
Services</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">A discussion regarding the basis for the Trustees&#8217;
approval of the Advisory Agreement and the Subadvisory Agreements is available in the Fund&#8217;s most recent shareholder report for
the fiscal year ended December 31.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>THE ADVISOR</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisor is a Delaware limited liability company
whose principal offices are located at 200 Berkeley Street,</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Boston, Massachusetts 02116 and serves as the Fund&#8217;s investment advisor.
The Advisor is registered with the SEC as an investment advisor under the Advisers Act.</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Founded in 1968, the Advisor is an indirect principally
owned subsidiary of John Hancock Life Insurance Company (U.S.A.), a subsidiary of Manulife Financial Corporation (&#8220;Manulife Financial&#8221;
or the &#8220;Company&#8221;). Manulife Financial is the holding company of The Manufacturers Life Insurance Company (the &#8220;Life
Company&#8221;) and its subsidiaries. John Hancock Life Insurance Company (U.S.A.) and its subsidiaries (&#8220;John Hancock&#8221;) today
offer a broad range of financial products and services, including
whole, term, variable, and universal life insurance, as well as college savings products, mutual funds, fixed and variable annuities,
long-term care insurance and various forms of business insurance. Additional information about John Hancock may be found on the Internet
at johnhancock.com.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 9pt 0 0; text-align: justify">The Advisor has contractually agreed to waive
a portion of its management fee and/or reimburse expenses for certain funds of the John Hancock group of funds complex, including the
fund (the participating portfolios). This waiver is based upon aggregate net assets of all the participating portfolios. The amount of
the reimbursement is calculated daily and allocated among all the participating portfolios in proportion to the daily net assets of each
fund. During the year ended December 31, 2020, this waiver amounted to 0.01% of the fund&#8217;s average daily net assets. This arrangement
expires on July 31, 2023, unless renewed by mutual agreement of the fund and the Advisor based upon a determination that this is appropriate
under the circumstances at that time.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisor&#8217;s parent company has been helping
individuals and institutions work toward their financial goals since 1862. The Advisor offers investment solutions managed by institutional
money managers, taking a disciplined team approach to portfolio management and research, leveraging the expertise of seasoned investment
professionals. The Advisor has been managing closed-end funds since 1971. As of March 31, 2021, the Advisor had total assets under
management of approximately $171.9 billion.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Manulife Financial Corporation is a leading international
financial services group with principal operations in Asia, Canada and the United States. Operating primarily as John Hancock in the United
States and Manulife elsewhere, it provides financial protection products and advice, insurance, as well as wealth and asset management
services through its extensive network of solutions for individuals, groups and institutions. As of March 31, 2021, it had over C$1.3
trillion (US$1 trillion) in assets under management and administration. Its global headquarters are in Toronto, Canada, and it trades
as &#8216;MFC&#8217; on the Toronto Stock Exchange, New York Stock Exchange (the &#8220;NYSE&#8221;), and the Philippine Stock Exchange,
and under &#8216;945&#8217; in Hong Kong. Manulife Financial Corporation can be found on the Internet at manulife.com.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisor serves as investment advisor to the Fund
and is responsible for monitoring the Subadvisor&#8217;s services to the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Advisory Agreement. </I></B>The Fund has entered
into an investment management contract dated July 1, 2009 (the &#8220;Advisory Agreement&#8221;) with the Advisor. As compensation for
its advisory services under the Advisory Agreement, the Advisor receives a fee from the Fund, calculated and paid daily, at an annual
rate of the Fund&#8217;s average daily managed assets.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The following table shows the advisory fee that the
Fund incurred and paid to the Advisor for the last three fiscal years ended December 31, 2020, December 31, 2019, and December 31, 2018.</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="border-bottom: #7F7F7F 1.5pt solid; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 3pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 3pt; border-bottom: black 1pt solid; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Advisory Fee Paid in Fiscal Year Ended</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; border-bottom: black 1pt solid; padding: 3pt; vertical-align: top; width: 40%">&nbsp;</TD>
    <TD STYLE="text-align: center; padding: 3pt; border-bottom: black 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: top; width: 20%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>2020</B><BR>
<B>($)</B></FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; border-bottom: black 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: top; width: 20%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>2019</B><BR>
<B>($)</B></FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; border-bottom: black 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: top; width: 20%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>2018</B><BR>
<B>($)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 3pt; border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Gross Fees</FONT></TD>
    <TD STYLE="text-align: right; padding: 3pt; border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6,491,591</FONT></TD>
    <TD STYLE="text-align: right; padding: 3pt; border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">8,215,429</FONT></TD>
    <TD STYLE="text-align: right; padding: 3pt; border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">8,832,893</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: left; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Waivers</FONT></TD>
    <TD STYLE="text-align: right; padding: 3pt; border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(41,394)</FONT></TD>
    <TD STYLE="text-align: right; padding: 3pt; border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(55,220)</FONT></TD>
    <TD STYLE="text-align: right; padding: 3pt; border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(67,086)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif; padding: 3pt; text-align: left; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Net Fees</FONT></TD>
    <TD STYLE="text-align: right; padding: 3pt; border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6,450,197</FONT></TD>
    <TD STYLE="text-align: right; padding: 3pt; border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">8,160,209</FONT></TD>
    <TD STYLE="text-align: right; padding: 3pt; border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">8,765,807</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Pursuant to the Advisory Agreement and subject to the
general supervision of the Trustees, the Advisor selects, contracts with, and compensates the Subadvisor to manage the investments and
determine the composition of the assets of the Fund; provided, that any contract with a Subadvisor (a &#8220;Subadvisory Agreement&#8221;)
shall be in compliance</P>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">with and approved as required by the 1940 Act, except for such exemptions therefrom as may be granted to the Fund
or the Advisor. The Advisor monitors the Subadvisor&#8217;s management of the Fund&#8217;s investment operations in accordance with the
investment objectives and related investment policies of the Fund, reviews the performance of the Subadvisor and reports periodically
on such performance to the Board.</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Pursuant to the Advisory Agreement, the Advisor has
entered into a Subadvisory Agreement with the Subadvisor to provide day-to-day portfolio management of the Fund and to implement the Fund&#8217;s
portfolio management strategies and investment objective. The Advisory Agreement provides
that the Advisor may terminate the Subadvisory Agreement entered into and directly assume any functions performed by the Subadvisor, upon
approval of the Board.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund pays all expenses of its organization, operations
and business.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisory Agreement had an initial period of two
years and continues from year to year so long as such continuance is approved at least annually: (i) by the vote of a majority of the
Independent Trustees; and (ii) either by the Board or by the vote of a majority of the outstanding shares of the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisory Agreement may be terminated at any time
without penalty upon sixty (60) days&#8217; written notice by the Board or the Advisor, as applicable, or by the vote of the majority
of the outstanding shares of the Fund. The Advisory Agreement will terminate automatically in the event of its assignment. The Subadvisory
Agreement terminates automatically upon the termination of the Advisory Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisory Agreement provides that, in the absence
of willful misfeasance, bad faith, gross negligence or reckless disregard of its obligations or duties to the Fund under such agreements
on the part of the Advisor, the Advisor shall not be liable to the Fund or to any shareholder for any loss sustained in connection with
the purchase, holding, redemption or sale of any security on behalf of the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Administration Agreement. </I></B>The Fund has
entered into an administration contract dated August 15, 1994 (the &#8220;Administration Agreement&#8221;) with JHIM, under which the
Fund receives Non-Advisory Services. These &#8220;Non-Advisory Services&#8221; include, but are not limited to, preparing tax returns,
preparing and transmitting periodic reports to shareholders, preparing and submitting filings with the SEC and other regulatory authorities,
maintaining Fund records, providing personnel and clerical services, and other services that are not investment advisory in nature.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund pays a monthly fee to JHIM equal to 0.25%
of the Fund&#8217;s average weekly net assets for such Non-Advisory Services under the Administration Agreement. The Advisor has contractually
agreed to limit its administration fee to 0.10% of the fund&#8217;s average weekly gross assets. This agreement expires on April 30, 2023,
unless renewed by mutual agreement of the fund and the Advisor based upon a determination that this is appropriate under the circumstances
at that time. The following table shows the expenses incurred by JHIM in providing services under the Administration Agreement for the
last three fiscal years ended December 31, 2020, December 31, 2019, and December 31, 2018.</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="border-bottom: #7F7F7F 1.5pt solid; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 3pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 3pt; border-bottom: black 1pt solid; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Administration Fee Paid in Fiscal Year Ended</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; border-bottom: black 1pt solid; padding: 3pt; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="text-align: center; padding: 3pt; border-bottom: black 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: middle"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>2020</B><BR>
<B>($)</B></FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; border-bottom: black 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: middle"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>2019</B><BR>
<B>($)</B></FONT></TD>
    <TD STYLE="text-align: center; padding: 3pt; border-bottom: black 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: middle"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>2018</B><BR>
<B>($)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 3pt; border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Gross Fees</FONT></TD>
    <TD STYLE="border-bottom: #7F7F7F 1pt solid; text-align: right; padding: 3pt; font: 12pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,439,472</FONT></TD>
    <TD STYLE="text-align: right; padding: 3pt; border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,865,155</FONT></TD>
    <TD STYLE="text-align: right; padding: 3pt; border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,022,948</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: #7F7F7F 1pt solid; text-align: left; padding: 3pt; font: 12pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Waivers</FONT></TD>
    <TD STYLE="text-align: right; padding: 3pt; border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(863,684)</FONT></TD>
    <TD STYLE="text-align: right; padding: 3pt; border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(1,119,093)</FONT></TD>
    <TD STYLE="text-align: right; padding: 3pt; border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(1,213,769)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(210,247,250)">
    <TD STYLE="border-bottom: #7F7F7F 1pt solid; text-align: left; padding: 3pt; font: 12pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Net Fees</FONT></TD>
    <TD STYLE="text-align: right; padding: 3pt; border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">575,788</FONT></TD>
    <TD STYLE="text-align: right; padding: 3pt; border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">746,062</FONT></TD>
    <TD STYLE="text-align: right; padding: 3pt; border-bottom: #7F7F7F 1pt solid; font: 12pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">809,179</FONT></TD></TR>
  </TABLE>




<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Administration Agreement had an initial period
of two years and continues from year to year so long as such continuance is specifically approved at least annually by a majority of the
Board and a majority of the Independent Trustees. The Fund or JHIM may terminate the Administration Agreement at any time without penalty
upon 60 days&#8217; written notice to the other party. The Administration Agreement may be amended by mutual written agreement of the
parties, without obtaining shareholder approval.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">JHIM is not liable for any error of judgment or mistake
of law or for any loss suffered by the Fund in connection with the matters to which the Administration Agreement relates, except losses
resulting from willful misfeasance, bad faith</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">or gross negligence by JHIM in the performance of its duties or from reckless disregard
by JHIM of its obligations under the Administration Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>THE SUBADVISOR</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Subadvisory Agreement. </I></B>The Advisor entered
into a Subadvisory Agreement dated December 31, 2005 with the Subadvisor (the &#8220;Subadvisory Agreement&#8221;). The Subadvisor handles
the fund&#8217;s portfolio management activity, subject to oversight by the Advisor. The Subadvisor, organized in 1968, is a wholly owned
subsidiary of John Hancock Life</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Insurance Company (U.S.A.) (a subsidiary of Manulife
Financial, a publicly held, Canadian-based company). As of March 31, 2021, the Subadvisor had total assets under management of approximately
$217.5 billion. The Subadvisor is located at 200 Berkeley Street, Boston, Massachusetts 02116.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Under the terms of the Subadvisory Agreement, the Subadvisor
is responsible for managing the investment and reinvestment of the assets of the Fund, subject to the supervision and control of the Board
and the Advisor.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Subadvisory Agreement had an initial period of
two years and continues from year to year so long as such continuance is approved at least annually: (i) by the Board or by the holders
of a majority of its outstanding voting securities and (ii) by a majority of the Trustees who are not &#8220;interested persons&#8221;
(as defined in the 1940 Act) of any party to the Subadvisory Agreement. The Subadvisory Agreement terminates automatically in the event
of its assignment or upon termination of the Advisory Agreement and may be terminated without penalty upon 60 days&#8217; written notice
at the option of the Advisor, the Subadvisor, by the Board or by a vote of a majority of the Fund&#8217;s outstanding shares. As discussed
above, the Advisor may terminate the Subadvisory Agreement and directly assume responsibility for the services provided by the Subadvisor
upon approval by the Board without the need for approval of the shareholders of the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Subadvisory Agreement provides that in the absence
of willful misfeasance, bad faith, gross negligence or reckless disregard for its obligations and duties thereunder, the Subadvisor is
not liable for any error or judgment or mistake of law or for any loss suffered by the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Both the Advisor and the Subadvisor are controlled
by Manulife Financial. Advisory arrangements involving an affiliated subadvisor may present certain potential conflicts of interest. Manulife
Financial benefits not only from the net advisory fee retained by the Advisor, but also from the subadvisory fee paid by the Advisor to
the Subadvisor. Consequently, Manulife may be viewed as benefiting financially from the appointment of or continued service of the Subadvisor
to manage the Fund. However, both the Advisor, in recommending to the Board the appointment or continued service of an affiliated subadvisor,
and the Subadvisor have a fiduciary duty to act in the best interests of the Fund and its shareholders. The Independent Trustees are aware
of and monitor these potential conflicts of interest.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>PORTFOLIO MANAGERS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Subadvisor handles the Fund&#8217;s portfolio management
activities, subject to oversight by the Advisor. The individuals jointly and primarily responsible for the day-to-day management of the
Fund&#8217;s portfolio are listed below.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The following tables present information regarding
accounts other than the Fund for which each portfolio manager has day-to-day management responsibilities. Accounts are grouped into three
categories: (i) other investment companies, (ii) other pooled investment vehicles, and (iii) other accounts. To the extent that any of
these accounts pay advisory fees based on account performance, information on those accounts is specifically broken out. In addition,
any assets denominated in foreign currencies have been converted into U.S. dollars using the exchange rates as of the applicable date.
Also shown below the chart is each portfolio manager&#8217;s investment in the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The following table reflects approximate information
as of December 31, 2020:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 14.4pt; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
  <TR>
    <TD STYLE="padding: 3pt 0 3pt 3pt; vertical-align: top; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 3pt 0; vertical-align: bottom; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Registered Investment Companies</B></FONT></TD>
    <TD STYLE="padding: 3pt 0; vertical-align: bottom; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 3pt 0; vertical-align: bottom; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Other Pooled Investment Vehicles</B></FONT></TD>
    <TD STYLE="padding: 3pt 0; vertical-align: bottom; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 3pt 0; vertical-align: bottom; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Other Accounts</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 0 3pt 3pt; vertical-align: top; width: 28%; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 3pt 0; vertical-align: bottom; width: 11%; border-bottom: Black 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Number of Accounts</B></FONT></TD>
    <TD STYLE="padding: 3pt 0; vertical-align: bottom; width: 2%; border-bottom: Black 1pt solid; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 3pt 0; vertical-align: bottom; width: 10%; border-bottom: Black 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Total Assets $Million</B></FONT></TD>
    <TD STYLE="padding: 3pt 0; vertical-align: bottom; width: 2%; border-bottom: Black 1pt solid; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 3pt 0; vertical-align: bottom; width: 11%; border-bottom: Black 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Number of Accounts</B></FONT></TD>
    <TD STYLE="padding: 3pt 0; vertical-align: bottom; width: 2%; border-bottom: Black 1pt solid; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 3pt 0; vertical-align: bottom; width: 10%; border-bottom: Black 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Total Assets $Million</B></FONT></TD>
    <TD STYLE="padding: 3pt 0; vertical-align: bottom; width: 2%; border-bottom: Black 1pt solid; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 3pt 0; vertical-align: bottom; width: 11%; border-bottom: Black 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Number of Accounts</B></FONT></TD>
    <TD STYLE="padding: 3pt 0; vertical-align: bottom; width: 2%; border-bottom: Black 1pt solid; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 3pt 0; vertical-align: bottom; width: 9%; border-bottom: Black 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Total Assets $Million</B></FONT></TD></TR>
  <TR STYLE="background-color: rgb(210,247,250)">
    <TD STYLE="padding: 3pt 0 3pt 3pt; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Susan A. Curry</B></FONT></TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4</FONT></TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5,163</FONT></TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2</FONT></TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">176</FONT></TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">0</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding: 3pt 0 3pt 3pt; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Ryan P. Lentell, CFA</B></FONT></TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3</FONT></TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,783</FONT></TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2</FONT></TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">176</FONT></TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 3pt 0; vertical-align: top; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">0</FONT></TD></TR>
  </TABLE>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Performance-Based Fees for Other Accounts Managed</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Number and value of accounts within the total accounts that are subject
to a performance-based advisory fee: None.</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Portfolio Manager Ownership of Shares of the Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The following table indicates as of December 31, 2020, the value of shares
beneficially owned by the portfolio managers in the Fund.</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 3pt; width: 75%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Portfolio Manager</B></FONT></TD>
    <TD STYLE="padding: 3pt; width: 25%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Range of Beneficial Ownership in the Fund</B></FONT></TD></TR>
  <TR STYLE="background-color: rgb(210,247,250)">
    <TD STYLE="padding: 3pt; vertical-align: top; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Susan A. Curry</FONT></TD>
    <TD STYLE="padding: 3pt; vertical-align: bottom; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$10,001-$50,000</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding: 3pt; vertical-align: top; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Ryan P. Lentell, CFA</FONT></TD>
    <TD STYLE="padding: 3pt; vertical-align: bottom; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$100,001-$500,000</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><I>Conflicts of Interest.</I></B> When a portfolio
manager is responsible for the management of more than one account, the potential arises for the portfolio manager to favor one account
over another. The principal types of potential conflicts of interest that may arise are discussed below. For the reasons outlined below,
the Fund does not believe that any material conflicts are likely to arise out of a portfolio manager&#8217;s responsibility for the management
of the Fund as well as one or more other accounts. The Advisor and Subadvisor have adopted procedures that are intended to monitor compliance
with the policies referred to in the following paragraphs. Generally, the risks of such conflicts of interests are increased to the extent
that a portfolio manager has a financial incentive to favor one account over another. The Advisor and Subadvisor have structured their
compensation arrangements in a manner that is intended to limit such potential for conflicts of interests. See &#8220;Compensation of
Portfolio Managers&#8221; below.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">A portfolio manager could favor one account over another in allocating new investment opportunities that
have limited supply, such as initial public offerings and private placements. If, for example, an initial public offering that was expected
to appreciate in value significantly shortly after the offering was allocated to a single account, that account may be expected to have
better investment performance than other accounts that did not receive an allocation on the initial public offering. The Subadvisor has
policies that require a portfolio manager to allocate such investment opportunities in an equitable manner and generally to allocate such
investments proportionately among all accounts with similar investment objectives.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">A portfolio manager could favor one account over another in the order in which trades for the accounts
are placed. If a portfolio manager determines to purchase a security for more than one account in an aggregate amount that may influence
the market price of the security, accounts that purchased or sold the security first may receive a more favorable price than accounts
that made subsequent transactions. The less liquid the market for the security or the greater the percentage that the proposed aggregate
purchases or sales represent of average daily trading volume, the greater the potential for accounts that make subsequent purchases or
sales to receive a less favorable price. When a portfolio manager intends to trade the same security for more than one account, the policies
of the Subadvisor generally require that such trades be &#8220;bunched,&#8221; which means that the trades for the individual accounts
are aggregated and each account receives the same price. There are some types of accounts as to which bunching may not be possible for
contractual reasons (such as directed brokerage arrangements). Circumstances may also arise where the trader believes that bunching the
orders may not result in the best possible price. Where those accounts or circumstances are involved, the Subadvisor will place the order
in a manner intended to result in as favorable a price as possible for such client.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">A portfolio manager could favor an account if the portfolio manager&#8217;s compensation is tied to the
performance of that account rather than all accounts managed by the portfolio manager. If, for example, the portfolio manager receives
a bonus based upon the performance of certain accounts relative to a benchmark while other accounts are disregarded for this purpose,
the portfolio manager will have a financial incentive to seek to have the accounts that determine the portfolio manager&#8217;s bonus
achieve the best possible performance to the possible detriment of other accounts. Similarly, if the Subadvisor receives a performance-based
advisory fee, the portfolio manager may favor that account, whether or not the performance of that</TD></TR></TABLE>



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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&nbsp;</TD><TD STYLE="text-align: justify">account directly determines the portfolio
manager&#8217;s compensation. The investment performance on specific accounts is not a factor in determining the portfolio manager&#8217;s
compensation. See &#8220;Compensation of Portfolio Managers&#8221; below. Neither the Advisor nor the Subadvisor receives a performance-based
fee with respect to any of the accounts managed by the portfolio managers.</TD></TR></TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">A portfolio manager could favor an account if the portfolio manager has a beneficial interest in the account,
in order to benefit a large client or to compensate a client that had poor returns. For example, if the portfolio manager held an interest in an investment
partnership that was one of the accounts managed by the portfolio manager, the portfolio manager would have an economic incentive to favor
the account in which the portfolio manager held an interest. The Subadvisor imposes certain trading restrictions and reporting requirements
for accounts in which a portfolio manager or certain family members have a personal interest in order to confirm that such accounts are
not favored over other accounts.</TD></TR></TABLE>




<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">If the different accounts have materially and potentially conflicting investment objectives or strategies,
a conflict of interest may arise. For example, if a portfolio manager purchases a security for one account and sells the same security
short for another account, such trading pattern could disadvantage either the account that is long or short. In making portfolio manager
assignments, the Subadvisor seeks to avoid such potentially conflicting situations. However, where a portfolio manager is responsible
for accounts with differing investment objectives and policies, it is possible that the portfolio manager will conclude that it is in
the best interest of one account to sell a portfolio security while another account continues to hold or increase the holding in such
security.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Compensation of Portfolio Managers</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Subadvisor has adopted a system of compensation
for portfolio managers and others involved in the investment process that is applied systematically among investment professionals. At
the Subadvisor, the structure of compensation of investment professionals is currently composed of the following basic components: base
salary and short-and long-term incentives. The following describes each component of the compensation package for the individuals identified
as a portfolio manager for the Funds.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Base salary. Base compensation is fixed and normally reevaluated on an annual basis. The Subadvisor seeks
to set compensation at market rates, taking into account the experience and responsibilities of the investment professional.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Incentives. Only investment professionals are eligible to participate in the short-and long-term incentive
plan. Under the plan, investment professionals are eligible for an annual cash award. The plan is intended to provide a competitive level
of annual bonus compensation that is tied to the investment professional achieving superior investment performance and aligns the financial
incentives of the Subadvisor and the investment professional. Any bonus under the plan is completely discretionary, with a maximum annual
bonus that may be well in excess of base salary. Payout of a portion of this bonus may be deferred for up to five years. While the amount
of any bonus is discretionary, the following factors are generally used in determining bonuses under the plan:</TD></TR></TABLE>

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<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><I>Investment Performance</I>: The investment performance of all accounts managed by the investment professional
over one, three and five-year periods are considered. With respect to fixed income accounts, relative yields are also used to measure
performance. The pre-tax performance of each account is measured relative to an appropriate benchmark and universe as identified in the
table below.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><I>Financial Performance</I>: The profitability of the Subadvisor and its parent company are also considered
in determining bonus awards.</TD></TR></TABLE>



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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><I>Non-Investment Performance</I>: To a lesser extent, intangible contributions, including the investment
professional&#8217;s support of client service and sales activities, new fund/strategy idea generation, professional growth and development,
and management, where applicable, are also evaluated when determining bonus awards.</TD></TR></TABLE>

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<TD STYLE="width: 36pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">In addition to the above, compensation may also include a revenue component for an investment team derived
from a number of factors including, but not limited to, client assets under management, investment performance, and firm metrics.</TD></TR></TABLE>


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<TD STYLE="width: 36pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Manulife Equity Awards. A limited number of senior investment professionals may receive options to purchase
shares of Manulife Financial stock. Generally, such option would permit the investment professional to purchase a set amount of stock
at the market price on the date of grant. The option can be exercised for a set period (normally a number of years or until termination
of employment) and the investment professional would exercise the option if the market value of Manulife Financial stock increases. Some
investment professionals may receive restricted stock grants, where the investment professional is entitled to receive the stock at no
or nominal cost, provided that the stock is forgone if the investment professional&#8217;s employment is terminated prior to a vesting
date.</TD></TR></TABLE>

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<TD STYLE="width: 36pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Deferred Incentives. Investment professionals may receive deferred incentives which are fully invested
in strategies managed by the team/individuals as well as other Manulife Asset Management strategies.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Subadvisor also permits investment professionals
to participate on a voluntary basis in a deferred compensation plan, under which the investment professional may elect on an annual basis
to defer receipt of a portion of their compensation until retirement. Participation in the plan is voluntary.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Other Services</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><I>Proxy voting</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund&#8217;s proxy voting policies and procedures
(the &#8220;Fund&#8217;s Procedures&#8221;) delegate to the Subadvisor the responsibility to vote all proxies relating to securities held
by the Fund in accordance with the Subadvisor&#8217;s proxy voting policies and procedures. The Subadvisor has a duty to vote such proxies
in the best interests of the Fund and its shareholders. Complete descriptions of the Fund&#8217;s Procedures and the proxy voting procedures
of the Subadvisor are set forth in Appendix B to this SAI.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">It is possible that conflicts of interest could arise
for the Subadvisor when voting proxies. Such conflicts could arise, for example, when the Subadvisor or its affiliate has a client or
other business relationship with the issuer of the security being voted or with a third party that has an interest in the vote. A conflict
of interest also could arise when the Fund, its investment advisor or principal underwriter or any of their affiliates has an interest
in the vote.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In the event that the Subadvisor becomes aware of a
material conflict of interest, the Fund&#8217;s Procedures generally require the Subadvisor to follow any conflicts procedures that may
be included in the Subadvisor&#8217;s proxy voting procedures. The conflict procedures generally will include one or more of the following:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -21.6pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 21.6pt">(a)</TD><TD STYLE="text-align: justify">voting pursuant to the recommendation of a third party voting service;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -21.6pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 21.6pt">(b)</TD><TD STYLE="text-align: justify">voting pursuant to pre-determined voting guidelines; or</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -21.6pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 21.6pt">(c)</TD><TD STYLE="text-align: justify">referring voting to a special compliance or oversight committee.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The specific conflicts procedures of the Subadvisor
are set forth in the Subadvisor&#8217;s proxy voting procedures included in Appendix B. While these conflicts procedures may reduce, they
will not necessarily eliminate, any influence on proxy voting of conflicts of interest.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Although the Subadvisor has a duty to vote all proxies
on behalf of the Fund, it is possible that the Subadvisor may not be able to vote proxies under certain circumstances. For example, it
may be impracticable to translate in a timely manner voting materials that are written in a foreign language or to travel to a foreign
country when voting in person</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">rather than by proxy is required. In addition, if the voting of proxies for shares of a security prohibits
the Subadvisor from trading the shares in the marketplace for a period of time, the Subadvisor may determine that it is not in the best
interests of the Fund to vote the proxies. The Subadvisor also may choose not to recall securities that have been lent in order to vote
proxies for shares of the security since the Fund would lose security lending income if the securities were recalled.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Information regarding how the Fund voted proxies relating
to portfolio securities during the most recent 12-month period ended June 30th is available (i) without charge, on jhinvestments.com
and (ii) on the SEC&#8217;s website at <U>http://www.sec.gov</U>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>


<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><A NAME="tocsai_008"></A>Determination of Net Asset Value</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">The Fund&#8217;s net asset value per Common Share
(&#8220;NAV&#8221;) is normally determined each business day at the close of regular trading on the NYSE (typically 4:00 p.m. Eastern
Time, on each business day that the NYSE is open) by dividing the Fund&#8217;s net assets by the number of Common Shares outstanding.
In case of emergency or other disruption resulting in the NYSE not opening for trading or the NYSE closing at a time other than the regularly
scheduled close, the NAV may be determined as of the regularly scheduled close of the NYSE pursuant to the Fund&#8217;s Valuation Policies
and Procedures. The time at which shares and transactions are priced and until which orders are accepted may vary to the extent permitted
by the Securities and Exchange Commission and applicable regulations. On holidays or other days when the NYSE is closed, the NAV is not
calculated. Trading of securities that are primarily listed on foreign exchanges may take place on weekends and U.S. business holidays
on which the Fund&#8217;s NAV is not calculated. Consequently, the Fund&#8217;s portfolio securities may trade and the NAV of the Fund&#8217;s
Common Shares may be significantly affected on days when a shareholder will not be able to purchase or sell the Fund&#8217;s Common Shares.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">Portfolio securities are valued by various methods
that are generally described below. Portfolio securities also may be fair valued by the Fund&#8217;s Pricing Committee in certain instances
pursuant to procedures established by the Trustees. Equity securities are generally valued at the last sale price or, for certain markets,
the official closing price as of the close of the relevant exchange. Securities not traded on a particular day are valued using last available
bid prices. A security that is listed or traded on more than one exchange is typically valued at the price on the exchange where the security
was acquired or most likely will be sold. In certain instances, the Pricing Committee may determine to value equity securities using prices
obtained from another exchange or market if trading on the exchange or market on which prices are typically obtained did not open for
trading as scheduled, or if trading closed earlier than scheduled, and trading occurred as normal on another exchange or market. Equity
securities traded principally in foreign markets are typically valued using the last sale price or official closing price in the relevant
exchange or market, as adjusted by an independent pricing vendor to reflect fair value. On any day a foreign market is closed and the
NYSE is open, any foreign securities will typically be valued using the last price or official closing price obtained from the relevant
exchange on the prior business day adjusted based on information provided by an independent pricing vendor to reflect fair value. Debt
obligations are typically valued based on evaluated prices provided by an independent pricing vendor. The value of securities denominated
in foreign currencies is converted into U.S. dollars at the exchange rate supplied by an independent pricing vendor. Forward foreign currency
contracts are valued at the prevailing forward rates which are based on foreign currency exchange spot rates and forward points supplied
by an independent pricing vendor. Exchange-traded options are valued at the mid-price of the last quoted bid and ask prices. Futures contracts
whose settlement prices are determined as of the close of the NYSE are typically valued based on the settlement price while other futures
contracts are typically valued at the last traded price on the exchange on which they trade. Foreign equity index futures that trade in
the electronic trading market subsequent to the close of regular trading may be valued at the last traded price in the electronic trading
market as of the close of the NYSE, or may be fair valued based on fair value adjustment factors provided by an independent pricing vendor
in order to adjust for events that may occur between the close of foreign exchanges or markets and the close of the NYSE. Swaps and unlisted
options are generally valued using evaluated prices obtained from an independent pricing vendor. Shares of open-end investment companies
that are not exchange-traded funds (&#8220;ETFs&#8221;) held by the Fund are valued based on the NAVs of such other investment companies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">Pricing vendors may use matrix pricing or valuation
models that utilize certain inputs and assumptions to derive values, including transaction data, broker-dealer quotations, credit quality
information, general market conditions, news, and other factors and assumptions. The Fund may receive different prices when it sells odd-lot
positions</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">than it would receive for sales of institutional round lot positions. Pricing vendors generally value securities assuming orderly
transactions of institutional round lot sizes, but the Fund may hold or transact in such securities in smaller, odd lot sizes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">The Pricing Committee engages in oversight activities
with respect to the Fund&#8217;s pricing vendors, which includes, among other things, monitoring significant or unusual price fluctuations
above predetermined tolerance levels from the prior day, back-testing of pricing vendor prices against actual trades, conducting periodic
due diligence meetings and reviews, and periodically reviewing the inputs, assumptions and methodologies used by these vendors. Nevertheless,
market quotations, official closing prices, or information furnished by a pricing vendor could be inaccurate, which could lead to a security
being valued incorrectly.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">If market quotations, official closing prices,
or information furnished by a pricing vendor are not readily available or are otherwise deemed unreliable or not representative of the
fair value of such security because of market- or issuer-specific events, a security will be valued at its fair value as determined in
good faith by the Trustees. The Trustees are assisted in their responsibility to fair value securities by the Fund&#8217;s Pricing Committee,
and the actual calculation of a security&#8217;s fair value may be made by the Pricing Committee acting pursuant to the procedures established
by the Trustees. In certain instances, therefore, the Pricing Committee may determine that a reported valuation does not reflect fair
value, based on additional information available or other factors, and may accordingly determine in good faith the fair value of the assets,
which may differ from the reported valuation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">Fair value pricing of securities is intended to
help ensure that the Fund&#8217;s NAV reflects the fair market value of the Fund&#8217;s portfolio securities as of the close of regular
trading on the NYSE (as opposed to a value that no longer reflects market value as of such close). The use of fair value pricing has the
effect of valuing a security based upon the price the Fund might reasonably expect to receive if it sold that security in an orderly transaction
between market participants, but does not guarantee that the security can be sold at the fair value price. Further, because of the inherent
uncertainty and subjective nature of fair valuation, a fair valuation price may differ significantly from the value that would have been
used had a readily available market price for the investment existed and these differences could be material.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9pt; text-align: justify">Regarding the Fund&#8217;s investment in an open-end
investment company that is not an ETF, which (as noted above) is valued at such investment company&#8217;s NAV, the prospectus for such
investment company explains the circumstances and effects of fair value pricing for that investment company.</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><A NAME="tocsai_009"></A>Brokerage Allocation</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Pursuant to the Subadvisory Agreement, the Subadvisor
is responsible for placing all orders for the purchase and sale of portfolio securities of the Fund. The Subadvisor has no formula for
the distribution of the Fund&#8217;s brokerage business; rather it places orders for the purchase and sale of securities with the primary
objective of obtaining the most favorable overall results for the Fund and the Subadvisor&#8217;s other clients. The cost of securities
transactions for the Fund primarily consists of brokerage commissions or dealer or underwriter spreads. Fixed-income securities and money
market instruments generally are traded on a net basis and normally do not involve either brokerage commissions or transfer taxes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Occasionally, securities may be purchased directly
from the issuer. For securities traded primarily in the OTC market, the Subadvisor will, where possible, deal directly with dealers who
make a market in the securities unless better prices and execution are available elsewhere. Such dealers usually act as principals for
their own account.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Brokerage Commissions Paid</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The following table shows the aggregate amount of brokerage
commissions paid by the Fund for the last three fiscal years ended December 31, 2020, December 31, 2019, and December 31, 2018.</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt; width: 34%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>December 31, 2020</U></B></FONT></TD>
    <TD STYLE="padding: 3pt; width: 33%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>December 31, 2019</U></B></FONT></TD>
    <TD STYLE="padding: 3pt; width: 33%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>December 31, 2018</U></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 3pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$116,305</FONT></TD>
    <TD STYLE="padding: 3pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$137,942</FONT></TD>
    <TD STYLE="padding: 3pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$106,881</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">No brokerage commissions paid by the Fund during the
last three fiscal years were to any broker that: (i) is an affiliated</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">person of the Fund; (ii) is an affiliated person of an affiliated
person of the Fund; or (iii) has an affiliated person that is an affiliated person of the Fund, Advisor, Subadvisor, or principal underwriter.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Approved Trading Counterparties</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Subadvisor maintains and periodically updates a
list of approved trading counterparties. Portfolio managers may execute trades only with pre-approved broker-dealer/counterparties. A
sub-group of the Subadvisor&#8217;s Brokerage Practices Committee, through a delegation from the Subadvisor&#8217;s Senior Investment
Policy Committee, reviews and approves all broker-dealers/counterparties.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Selection of Brokers, Dealers, and Counterparties</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In placing orders for purchase and sale of securities
and selecting trading counterparties (including banks or broker-dealers) to effect these transactions, the Subadvisor seeks prompt execution
of orders at the most favorable prices reasonably obtainable. The Subadvisor will consider a number of factors when selecting trading
counterparties, including the overall direct net economic result to the Fund (including commissions, which may not be the lowest available,
but which ordinarily will not be higher than the generally prevailing competitive range), the financial strength, reputation and stability
of the counterparty, the efficiency with which the transaction is effected, the ability to effect the transaction when a large block trade
is involved, the availability of the counterparty to stand ready to execute possibly difficult transactions in the future, and other matters
involved in the receipt of brokerage and research services.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Subadvisor periodically prepares and maintains
a list of broker-dealer firms that have been deemed to provide valuable research as determined periodically by the investment staff, together
with a suggested non-binding amount of brokerage commissions (&#8220;non-binding target&#8221;) to be allocated to each of these research
firms, subject to certain requirements. Neither the Subadvisor nor any client has an obligation to any research firm if the amount of
brokerage commissions paid to the research firms is less than the applicable non-binding target.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In seeking best execution, traders have a variety of
venues available for execution. Traders may, in their discretion, use algorithmic strategies through direct market access (&#8220;DMA&#8221;)
tools and electronic crossing networks (&#8220;ECNs&#8221;). DMA allows the trader to act in the market without a full service or other
broker. ECNs give the trader additional options when searching for liquidity and the ability to trade block positions in a more efficient
manner. In selecting a broker, dealer or trading venue, traders consider the full range of available trading platforms in seeking best
execution.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Best Execution</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Subadvisor owes a duty to its clients to seek best
execution when executing trades on behalf of clients. &#8220;Best execution&#8221; generally is understood to mean the most favorable
cost or net proceeds reasonably obtainable under the circumstances. The Subadvisor is not obligated to choose the broker-dealer offering
the lowest available commission rate if, in the Subadvisor&#8217;s reasonable judgment, there is a material risk that the total cost or
proceeds from the transaction might be less favorable than may be obtained elsewhere, or, if a higher commission is justified by the trading
provided by the broker-dealer, or if other considerations dictate using a different broker-dealer. Negotiated commission rates generally
will reflect overall execution requirements of the transaction without regard to whether the broker may provide other services in addition
to execution.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Subadvisor may pay higher or lower commissions
to different brokers that provide different categories of services. Under this approach, the Subadvisor periodically may classify different
brokers in different categories based on execution abilities, the quality of research, brokerage services, block trading capability, speed
and responsiveness, or other services provided by the brokers. Some examples of these categories may include, without limitation, full
service brokers, alternative trading systems, client commission and execution-only brokers.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The reasonableness of brokerage commission is evaluated
on an ongoing basis and at least annually on a formal basis.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">When more than one broker-dealer is believed to be
capable of providing the best combination of price and execution with respect to a particular portfolio transaction, the Subadvisor often
selects a broker-dealer that furnishes research and other related services or products. The amount of brokerage allotted to a particular
broker-dealer is not made pursuant to any binding agreement or commitment with any selected broker-dealer. However, the Subadvisor maintains
an internal allocation procedure to identify those broker-dealers who have provided us with effective research and the amount of research
provided, and the Subadvisor endeavors to direct sufficient commissions to it to ensure the continued receipt of research that the Subadvisor
believes is useful.</P>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Soft Dollar Considerations</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Subadvisor may pay for research and brokerage services
with the commission dollars generated by Fund account transactions (known as &#8220;soft dollar benefits&#8221;), subject to certain conditions.
Further, the Subadvisor may cause the Fund to pay up in return for soft dollar benefits (pay commissions, markups or markdowns higher
than those charged by other broker-dealers).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The research provided may be either proprietary (created
and provided by the broker-dealer, including tangible research products as well as access to analysts, traders and issuers) or third-party
(created by a third party, but provided by broker-dealer). Proprietary research is generally part of a &#8220;bundle&#8221; of brokerage
and research and the research is not separately priced. In the case of third party research,
the cost of products and services is generally more transparent, and payment is made by the broker to the preparer in &#8220;hard dollars.&#8221;
The Subadvisor may receive both proprietary and third party research and execution services.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Subadvisor considers three factors with respect
to all third-party research and execution services received through soft dollars:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">Whether the product or service is eligible research or brokerage under SEC rules and regulations;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">Whether an eligible product or service actually provides &#8220;lawful and appropriate assistance&#8221;
in the performance of the Subadvisor&#8217;s investment decision-making responsibilities; and</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 14.4pt"><B>&#8226;</B></TD><TD STYLE="text-align: justify">Whether the amount of the commission paid is reasonable in light of the value of the product or service
provided by the broker-dealer (viewed in terms of the particular transaction or the Subadvisor&#8217;s overall responsibilities with respect
to the Subadvisor&#8217;s client accounts).</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Research services currently purchased with soft dollars
include: reports on the economy, industries, sectors and individual companies or issuers; introduction to issuers, invitations to trade
conferences, statistical information; statistical models; political and country analyses; reports on legal developments affecting portfolio
securities; information on technical market actions; and credit analyses.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The overriding consideration in selecting brokers to
execute trade orders is the maximization of client profits through a combination of controlling transaction and securities costs and seeking
the most effective use of brokers&#8217; proprietary research and execution capabilities, while maintaining relationships with those broker-dealers
who consistently provide superior service. When the Subadvisor uses client brokerage commissions (or markups or markdowns) to obtain research
or other products or services, the Subadvisor receives a soft dollar benefit because the Subadvisor does not have to produce or pay for
the research, products or services. The Subadvisor may have an incentive to select a broker-dealer based on the Subadvisor&#8217;s interest
in receiving research or other products or services, rather than on the Subadvisor&#8217;s clients&#8217; interest in receiving most favorable
execution.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Any research received is used to service all clients
to which it is applicable, whether or not the client&#8217;s commissions were used to obtain the research. For example, commissions of
equity clients may be used to obtain research that is used with respect to fixed-income clients. The Subadvisor does not attempt to allocate
the relative costs or benefits of research among client accounts because the Subadvisor believe that, in the aggregate, the research the
Subadvisor receives benefits clients and assists the Subadvisor in fulfilling its overall duty to its clients.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Subadvisor does not enter into any agreement or
understanding with any broker-dealer which would obligate it to direct a specific amount of brokerage transactions or commissions in return
for such services. However, certain broker-dealers may state in advance the amount of brokerage commissions they expect for certain services
and the applicable cash equivalent.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Subadvisor may seek to obtain client commission
benefits through client commission arrangements in compliance with applicable laws and regulations. Under these types of arrangements,
the Subadvisor can request that executing brokers allocate a portion of total commissions paid to a pool of &#8220;credits&#8221; maintained
by the broker that can be used to obtain client commission benefits. After accumulating a number of credits within the pool, the Subadvisor
may subsequently direct that those credits be used to pay appropriate parties in return for eligible client commission benefits</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">provided
by the broker to the Subadvisor.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In summary, as noted above, the Sub advisor has three
types of &#8220;soft dollar&#8221; arrangements through which the Subadvisor receives benefits:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 21.6pt">(1)</TD><TD STYLE="text-align: justify"><I>Full service brokers</I> &#8211; In addition to receiving execution services, the Subadvisor also receives
a variety of research and related services from these brokers, including, for example, proprietary research reports on companies, markets
or investment related reports, meetings with senior management teams of companies, and discussions with the broker&#8217;s analysis and
market experts.</TD></TR></TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -21.6pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 21.6pt">(2)</TD><TD STYLE="text-align: justify"><I>Client commission arrangements </I>(&#8220;CCA&#8221;) - Through CCA arrangements with brokers with
whom the Subadvisor places equity trades for execution, the Subadvisor generates commission credits with these CCA brokers that the Subadvisor
can direct and use to compensate third party research providers, including other brokers, for research received. The level of compensation
to such research providers is determined by the equity portfolio management teams using a quarterly voting process. The number of votes
determines the relative level of compensation paid to a research provider.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -21.6pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.4pt"></TD><TD STYLE="width: 21.6pt">(3)</TD><TD STYLE="text-align: justify"><I>Third party research vendors </I>- The Subadvisor may have soft dollar arrangements. Under these arrangements,
the Subadvisor will identify research services that it wants to obtain and subject to the approval of the soft dollar broker, the soft
dollar broker will directly contract with research providers for services provided to the Subadvisor. When the Subadvisor executes equity
trades with the soft dollar broker, the soft dollar broker allocates and pays a portion of the commission to the research providers.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Trade Aggregation by the Subadvisor</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Because investment decisions often affect more than
one client, the Subadvisor frequently will attempt to acquire or dispose of the same security for more than one client at the same time.
The Subadvisor, to the extent permitted by applicable law, regulations and advisory contracts, may aggregate purchases and sales of securities
on behalf of its various clients for which it has discretion, provided that in the Subadvisor&#8217;s opinion, all client accounts are
treated equitably and fairly and that block trading will result in a more favorable overall execution. Trades will not be combined when
a client has directed transactions to a particular broker-dealer or when the Subadvisor determines that combined orders would not be efficient
or practical.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">When appropriate, the Subadvisor will allocate such
block orders at the average price obtained or according to a system that the Subadvisor considers to be fair to all clients over time.
Generally speaking, such allocations are made on the basis of proportional capital under management in the respective client accounts.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Affiliated Underwriting Transactions by the Subadvisor</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Board has approved procedures in conformity with
Rule 10f-3 under the 1940 Act whereby the Fund may purchase securities that are offered in underwritings in which an affiliate of the
Advisor or a Subadvisor participates. These procedures prohibit the Fund from directly or indirectly benefiting an Advisor or Subadvisor
affiliate in connection with such underwritings. In addition, for underwritings where an Advisor or Subadvisor affiliate participates
as a principal underwriter, certain restrictions may apply that could, among other things, limit the amount of securities that the Fund
could purchase.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Commission Recapture Program</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Board has approved the Fund&#8217;s participation
in a commission recapture program. Commission recapture is a form of institutional discount brokerage that returns commission dollars
directly to the Fund. It provides a way to gain control over the commission expenses incurred by the Subadvisor, which can be significant
over time and thereby reduces expenses, improves cash flow and conserves assets. The Fund can derive commission recapture dollars from
both equity trading commissions and fixed-income (commission equivalent) spreads. From time to time, the Board reviews whether participation
in the recapture program is in the best interests of the Fund.</P>




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<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><A NAME="tocsai_010"></A>Additional Information Concerning Taxes</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The following discussion of U.S. federal income tax
matters is based on the advice of K&amp;L Gates LLP, counsel to the Fund. The Fund intends to elect to be treated and to qualify each
year as a regulated investment company (&#8220;RIC&#8221;) under the Code.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">To qualify as a RIC for income tax purposes, the Fund
must derive at least 90% of its annual gross income from dividends, interest, payments with respect to securities loans, gains from the
sale or other disposition of stock, securities or foreign currencies, or other income (including, but not limited to, gains from options,
futures or forward contracts) derived with respect to its business of investing in stock, securities and currencies, and net income derived
from an interest in a qualified publicly traded partnership. A &#8220;qualified publicly traded partnership&#8221; is a publicly traded partnership that meets certain requirements with respect
to the nature of its income. To qualify as a RIC, the Fund must also satisfy certain requirements with respect to the diversification
of its assets. The Fund must have, at the close of each quarter of the taxable year, at least 50% of the value of its total assets represented
by cash, cash items, U.S. government securities, securities of other regulated investment companies, and other securities that, in respect
of any one issuer, do not represent more than 5% of the value of the assets of the Fund nor more than 10% of the voting securities of
that issuer. In addition, at those times not more than 25% of the market value (or fair value if market quotations are unavailable) of
the Fund&#8217;s assets can be invested in securities (other than United States government securities or the securities of other regulated
investment companies) of any one issuer, or of two or more issuers, which the Fund controls and which are engaged in the same or similar
trades or businesses or related trades or businesses, or of one or more qualified publicly traded partnerships. If the Fund fails to meet
the annual gross income test described above, the Fund will nevertheless be considered to have satisfied the test if (i) (a) such failure
is due to reasonable cause and not due to willful neglect and (b) the Fund reports the failure, and (ii) the Fund pays an excise tax equal
to the excess non-qualifying income. If the Fund fails to meet the asset diversification test described above with respect to any quarter,
the Fund will nevertheless be considered to have satisfied the requirements for such quarter if the Fund cures such failure within 6 months
and either (i) such failure is <I>de minimis </I>or (ii) (a) such failure is due to reasonable cause and not due to willful neglect and
(b) the Fund reports the failure and pays an excise tax.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">As a RIC, the Fund generally will not be subject to
U.S. federal income tax on its investment company taxable income (as that term is defined in the Code, but without regard to the deductions
for dividends paid) and net capital gain (the excess of net long-term capital gain over net short-term capital loss), if any, that it
distributes in each taxable year to its shareholders; provided that it distributes at least the sum of 90% of its investment company taxable
income and 90% of its net tax-exempt interest income for such taxable year. The Fund intends to distribute to its shareholders, at least
annually, substantially all of its investment company taxable income, net tax-exempt interest income and net capital gain. In order to
avoid incurring a nondeductible 4% U.S. federal excise tax obligation, the Code requires that the Fund distribute (or be deemed to have
distributed) by December 31 of each calendar year an amount at least equal to the sum of (i) 98% of its ordinary income for such year,
(ii) 98.2% of its capital gain net income (which is the excess of its realized net long-term capital gain over its realized net short-term
capital loss), generally computed on the basis of the one-year period ending on December 31 of such year, after reduction by any available
capital loss carryforwards and (iii) 100% of any ordinary income and capital gain net income from the prior year (as previously computed)
that were not paid out during such year and on which the Fund paid no U.S. federal income tax. Under current law, provided that the Fund
qualifies as a RIC for U.S. federal income tax purposes, the Fund should not be liable for any income, corporate excise or franchise tax
in the Commonwealth of Massachusetts.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">If the Fund does not qualify as a RIC or fails to satisfy
the 90% distribution requirement for any taxable year, subject to the opportunity to cure such failures under applicable provisions of
the Code as described above, the Fund&#8217;s taxable income will be subject to corporate income taxes, and distributions from earnings
and profits, including distributions of net capital gain (if any), will generally constitute ordinary dividend income for U.S. federal
income tax purposes. To the extent so designated by the Fund, such distributions generally would be eligible (i) to be treated as qualified
dividend income in the case of individual and other noncorporate shareholders and (ii) for the dividends received deduction (&#8220;DRD&#8221;)
in the case of corporate shareholders. In addition, in order to requalify for taxation as a RIC, the Fund may be required to recognize
unrealized gains, pay substantial taxes and interest, and make certain distributions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">For U.S. federal income tax purposes, distributions
paid out of the Fund&#8217;s current or accumulated earnings and profits will, except in the case of distributions of qualified dividend
income and capital gain dividends described below, be taxable as ordinary dividend income. Certain income distributions paid by the Fund
(whether paid in cash or reinvested in additional Fund shares) to individual taxpayers that are attributable to the Fund&#8217;s qualified
dividend income and</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">capital gain are taxed at rates applicable to net long-term capital gains (maximum rates of 20% 15%, or 0% for individuals
depending on the amount of their taxable income for the year). This tax treatment applies only if certain holding period requirements
and other requirements are satisfied by the shareholder and the dividends are attributable to qualified dividend income received by the
Fund itself. For this purpose, &#8220;qualified dividend income&#8221; means dividends received by the Fund from United States corporations
and &#8220;qualified foreign corporations,&#8221; provided that the Fund satisfies certain holding period and other requirements in respect
of the stock of such corporations. Only a small portion, if any of the distributions from the Fund may consist of income eligible to be
treated as qualified dividend income. An additional 3.8% Medicare tax will also apply in the case of some individuals.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Shareholders receiving any distribution from the Fund
in the form of additional shares pursuant to the dividend reinvestment plan will be treated as receiving a taxable distribution in an
amount equal to the fair market value of the shares received, determined as of the reinvestment
date.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Distributions of net capital gain, if any, reported
as capital gains dividends are taxable to a shareholder as long-term capital gains, regardless of how long the shareholder has held Fund
shares. A distribution of an amount in excess of the Fund&#8217;s current and accumulated earnings and profits will be treated by a shareholder
as a return of capital which is applied against and reduces the shareholder&#8217;s basis in his or her shares. To the extent that the
amount of any such distribution exceeds the shareholder&#8217;s basis in his or her shares, the excess will be treated by the shareholder
as gain from a sale or exchange of the shares. Distributions of gains from the sale of investments that the Fund owned for one year or
less will be taxable as ordinary income.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may elect to retain its net capital gain or
a portion thereof for investment and be taxed at corporate rates on the amount retained. In such case, it may designate the retained amount
as undistributed capital gains in a notice to its shareholders who will be treated as if each received a distribution of his <I>pro rata
</I>share of such gain, with the result that each shareholder will (i) be required to report his <I>pro rata </I>share of such gain on
his tax return as long-term capital gain, (ii) receive a refundable tax credit for his <I>pro rata </I>share of tax paid by the Fund on
the gain and (iii) increase the tax basis for his shares by an amount equal to the deemed distribution less the tax credit.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Selling shareholders generally will recognize gain
or loss in an amount equal to the difference between the shareholder&#8217;s adjusted tax basis in the shares sold and the sale proceeds.
If the shares are held as a capital asset, the gain or loss will be a capital gain or loss. The current maximum tax rate applicable to
net capital gains recognized by individuals and other non-corporate taxpayers is (i) the same as the maximum ordinary income tax rate
for gains recognized on the sale of capital assets held for one year or less, or (ii) for gains recognized on the sale of capital assets
held for more than one year (as well as certain capital gain distributions) (20%, 15%, or 0% for individuals depending on the amount of
their taxable income for the year). An additional 3.8% Medicare tax will also apply in the case of some individuals.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Any loss realized upon the sale or exchange of Fund
shares with a holding period of six months or less will be treated as a long-term capital loss to the extent of any capital gain distributions
received (or amounts designated as undistributed capital gains) with respect to such shares. In addition, all or a portion of a loss realized
on a sale or other disposition of Fund shares may be disallowed under &#8220;wash sale&#8221; rules to the extent the shareholder acquires
other shares of the Fund (whether through the reinvestment of distributions or otherwise) within a period of 61 days beginning 30 days
before and ending 30 days after the date of disposition of the Common Shares. Any disallowed loss will result in an adjustment to the
shareholder&#8217;s tax basis in some or all of the other shares acquired.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Sales charges paid upon a purchase of shares cannot
be taken into account for purposes of determining gain or loss on a sale of the shares before the 91st day after their purchase to the
extent a sales charge is reduced or eliminated in a subsequent acquisition of shares of the Fund (or of another fund), during the period
beginning on the date of such sale and ending on January 31 of the calendar year following the calendar year in which such sale was made,
pursuant to the reinvestment or exchange privilege. Any disregarded amounts will result in an adjustment to the shareholder&#8217;s tax
basis in some or all of any other shares acquired.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">For federal income tax purposes, a fund is permitted to carry forward a
net capital loss incurred in any year to offset net capital gains, if any, in any subsequent year until such loss carry forwards have
been fully used. Capital losses carried forward will retain their character as either short-term or long-term capital losses. The fund&#8217;s
ability to utilize capital losses in a given year or in total may be limited. To the extent subsequent net capital gains are offset by
such losses, they would not result in federal income tax liability to the fund and would not be distributed as such</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">to shareholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Below are the capital loss carryforwards available to the fund as of December
31, 2020 to the extent provided by</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">regulations, to offset future net realized capital
gains:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
  <TR>
    <TD STYLE="padding: 3pt; width: 26%; border: Black 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Fund</B></FONT></TD>
    <TD STYLE="padding: 3pt; width: 22%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Short-term Losses </B></FONT></TD>
    <TD STYLE="padding: 3pt; width: 30%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Long-term Losses </B></FONT></TD>
    <TD STYLE="padding: 3pt; width: 22%; border: Black 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Total</B></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Financial Opportunities Fund</FONT></TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.00</FONT></TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.00</FONT></TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.00</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Certain net investment income received by an individual
having adjusted gross income in excess of $200,000 (or $250,000 for married individuals filing jointly) will be subject to a tax of 3.8%.
Undistributed net investment income of trusts and estates in excess of a specified amount will also be subject to this tax. Dividends
and capital gains distributed by the Fund, and gain realized on redemption of Fund shares, will constitute investment income of the type
subject to this tax.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Only a small portion, if any, of the distributions
from the Fund may qualify for the dividends-received deduction for corporations, subject to the limitations applicable under the Code.
The qualifying portion is limited to properly designated distributions attributed to dividend income (if any) the Fund receives from certain
stock in U.S. domestic corporations and the deduction is subject to holding period requirements and debt-financing limitations under the
Code.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">If the Fund should have dividend income that qualifies
for the reduced tax rate applicable to qualified dividend income, the maximum amount allowable will be designated by the Fund. This amount
will be reflected on Form 1099-DIV for the current calendar year.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Dividends and distributions on the Fund&#8217;s shares
generally are subject to U.S. federal income tax as described herein to the extent they do not exceed the Fund&#8217;s realized income
and gains, even though such dividends and distributions may economically represent a return of a particular shareholder&#8217;s investment.
Such distributions are likely to occur in respect of shares purchased at a time when the Fund&#8217;s net asset value reflects gains that
are either unrealized, or realized but not distributed. Such realized gains may be required to be distributed even when the Fund&#8217;s
net asset value also reflects unrealized losses. Certain distributions declared in October, November or December to shareholders of record
of such month and paid in the following January will be taxed to shareholders as if received on December 31 of the year in which they
were declared. In addition, certain other distributions made after the close of a taxable year of the Fund may be &#8220;spilled back&#8221;
and treated as paid by the Fund (except for purposes of the non-deductible 4% U.S. federal excise tax) during such taxable year. In such
case, shareholders will be treated as having received such dividends in the taxable year in which the distributions were actually made.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund will inform shareholders of the source and
tax status of all distributions promptly after the close of each calendar year.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Legislation passed by Congress in 2008 requires the
Fund (or its administrative agent) to report to the IRS and furnish to shareholders the cost basis information and holding period for
the Fund&#8217;s shares purchased on or after January 1, 2012, and repurchased by the Fund on or after that date. The Fund will permit
shareholders to elect from among several permitted cost basis methods. In the absence of an election, the Fund will use a default cost
basis method. The cost basis method a shareholder elects may not be changed with respect to a repurchase of shares after the settlement
date of the repurchase. Shareholders should consult with their tax advisors to determine the best permitted cost basis method for their
tax situation and to obtain more information about how the new cost basis reporting rules apply to them.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The benefits of the reduced tax rates applicable to
long-term capital gains and qualified dividend income may be impacted by the application of the alternative minimum tax to individual
shareholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Special tax rules apply to investments through defined
contribution plans and other tax-qualified plans. Shareholders should consult their tax advisor to determine the suitability of shares
of the Fund as an investment through such plans.</P>





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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may invest in debt obligations that are in
the lowest rating categories or are unrated, including debt obligations of issuers not currently paying interest or who are in default.
Investments in debt obligations that are at risk of or in default present special tax issues for the Fund. Tax rules are not entirely
clear about issues such as when the Fund may cease to accrue interest, original issue discount or market discount, when and to what extent
deductions may be taken for bad debts or worthless securities and how payments received on obligations in default should be allocated
between principal and income, and whether exchanges of debt obligations in a workout context are taxable. These and other issues will
be addressed by the Fund if it acquires such obligations in order to reduce the risk of distributing insufficient income to preserve its
status as a regulated investment company and to seek to avoid becoming subject to federal income or excise tax.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund is required to accrue income on any debt securities
that have more than a <I>de minimis </I>amount of original issue discount (or debt securities acquired at a market
discount, if the Fund elects to include market discount in income currently) prior to the receipt of the corresponding cash payments.
The mark to market or constructive sale rules applicable to certain options, futures, forwards, short sales or other transactions also
may require the Fund to recognize income or gain without a concurrent receipt of cash. Additionally, some countries restrict repatriation,
which may make it difficult or impossible for the Fund to obtain cash corresponding to its earnings or assets in those countries. However,
the Fund must distribute to shareholders for each taxable year substantially all of its net income and net capital gains, including such
income or gain, to qualify as a regulated investment company and avoid liability for any federal income or excise tax. Therefore, the
Fund may have to dispose of its portfolio securities under disadvantageous circumstances to generate cash, or borrow cash, to satisfy
these distribution requirements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may recognize gain (but not loss) from a constructive
sale of certain &#8220;appreciated financial positions&#8221; if the Fund enters into a short sale, offsetting notional principal contract,
or forward contract transaction with respect to the appreciated position or substantially identical property. Appreciated financial positions
subject to this constructive sale treatment include interests (including options and forward contracts and short sales) in stock and certain
other instruments. Constructive sale treatment does not apply if the transaction is closed out not later than thirty days after the end
of the taxable year in which the transaction was initiated, and the underlying appreciated securities position is held unhedged for at
least the next sixty days after the hedging transaction is closed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Gain or loss from a short sale of property generally
is considered as capital gain or loss to the extent the property used to close the short sale constitutes a capital asset in the Fund&#8217;s
hands. Except with respect to certain situations where the property used to close a short sale has a long-term holding period on the date
the short sale is entered into, gains on short sales generally are short-term capital gains. A loss on a short sale will be treated as
a long-term capital loss if, on the date of the short sale, &#8220;substantially identical property&#8221; has been held by the Fund for
more than one year. In addition, entering into a short sale may result in suspension of the holding period of &#8220;substantially identical
property&#8221; held by the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Gain or loss on a short sale generally will not be
realized until such time as the short sale is closed. However, as described above in the discussion of constructive sales, if the Fund
holds a short sale position with respect to securities that have appreciated in value, and it then acquires property that is the same
as or substantially identical to the property sold short, the Fund generally will recognize gain on the date it acquires such property
as if the short sale were closed on such date with such property. Similarly, if the Fund holds an appreciated financial position with
respect to securities and then enters into a short sale with respect to the same or substantially identical property, the Fund generally
will recognize gain as if the appreciated financial position were sold at its fair market value on the date it enters into the short sale.
The subsequent holding period for any appreciated financial position that is subject to these constructive sale rules will be determined
as if such position were acquired on the date of the constructive sale.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund&#8217;s transactions in futures contracts
and options will be subject to special provisions of the Code that, among other things, may affect the character of gains and losses realized
by the Fund (<I>i.e.</I>, may affect whether gains or losses are ordinary or capital, or short-term or long-term), may accelerate recognition
of income to the Fund and may defer Fund losses. These rules could, therefore, affect the character, amount and timing of distributions
to shareholders. These provisions also (a) will require the Fund to mark-to-market certain types of the positions in its portfolio (<I>i.e.</I>,
treat them as if they were closed out), and (b) may cause the Fund to recognize income without receiving cash with which to make distributions
in amounts necessary to satisfy the 90% distribution requirement for qualifying to be taxed as a RIC and the distribution requirement
for avoiding excise taxes. The Fund will monitor its transactions, will make the appropriate tax elections and will make the appropriate
entries in its books and records when it acquires any futures contract, option or hedged investment in order to mitigate the effect of
these rules and prevent disqualification</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">of the Fund from being taxed as a RIC.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">For the Fund&#8217;s options and futures contracts
that qualify as &#8220;section 1256 contracts,&#8221; Code Section 1256 generally will require any gain or loss arising from the lapse,
closing out or exercise of such positions to be treated as 60% long-term and 40% short-term capital gain or loss. In addition, the Fund
generally will be required to &#8220;mark to market&#8221; (<I>i.e.</I>, treat as sold for fair market value) each outstanding &#8220;section
1256 contract&#8221; position at the close of each taxable year (and on December 31 of each year for excise tax purposes). If a &#8220;section
1256 contract&#8221; held by the Fund at the end of a taxable year is sold in the following year, the amount of any gain or loss realized
on such sale will be adjusted to reflect the gain or loss previously taken into account under the &#8220;mark to market&#8221; rules.
The Fund&#8217;s options that do not qualify as &#8220;section 1256 contracts&#8221; under the Code generally will be treated as equity
options governed by Code Section 1234. Pursuant to Code Section 1234, if a written option expires unexercised, the premium received is
short-term capital gain to the Fund. If the Fund enters into
a closing transaction, the difference between the premium received for writing the option, and the amount paid to close out its position
generally is short-term capital gain or loss. If a call option written by the Fund that is not a &#8220;section 1256 contract&#8221; is
cash settled, any resulting gain or loss will be short-term.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Code contains special rules that apply to &#8220;straddles,&#8221;
defined generally as the holding of &#8220;offsetting positions with respect to personal property.&#8221; For example, the straddle rules
normally apply when a taxpayer holds stock and an offsetting option with respect to such stock or substantially identical stock or securities.
In general, investment positions will be offsetting if there is a substantial diminution in the risk of loss from holding one position
by reason of holding one or more other positions. If two or more positions constitute a straddle, recognition of a realized loss from
one position generally must be deferred to the extent of unrecognized gain in an offsetting position. In addition, long-term capital gain
may be recharacterized as short-term capital gain, or short-term capital loss as long-term capital loss. Interest and other carrying charges
allocable to personal property that is part of a straddle are not currently deductible but must instead be capitalized. Similarly, &#8220;wash
sale&#8221; rules apply to prevent the recognition of loss by the Fund from the disposition of stock or securities at a loss in a case
in which identical or substantially identical stock or securities (or an option to acquire such property) is or has been acquired within
a prescribed period.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Code allows a taxpayer to elect to offset gain
and loss from positions that are part of a &#8220;mixed straddle.&#8221; A &#8220;mixed straddle&#8221; is any straddle in which one or
more but not all positions are &#8220;section 1256 contracts.&#8221; The Fund may be eligible to elect to establish one or more mixed
straddle accounts for certain of its mixed straddle trading positions. The mixed straddle account rules require a daily &#8220;marking
to market&#8221; of all open positions in the account and a daily netting of gain and loss from all positions in the account. At the end
of a taxable year, the annual net gain or loss from the mixed straddle account are recognized for tax purposes. The net capital gain or
loss is treated as 60% long-term and 40% short-term capital gain or loss if attributable to the &#8220;section 1256 contract&#8221; positions,
or all short-term capital gain or loss if attributable to the non-section 1256 contract positions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Further, certain of the Fund&#8217;s investment practices
are subject to special and complex U.S. federal income tax provisions that may, among other things, (i) convert dividends that would otherwise
constitute qualified dividend income into short-term capital gain or ordinary income taxed at the higher rate applicable to ordinary income,
(ii) treat dividends that would otherwise be eligible for the corporate dividends received deduction as ineligible for such treatment,
(iii) disallow, suspend or otherwise limit the allowance of certain losses or deductions, (iv) convert long-term capital gain into short-term
capital gain or ordinary income, (v) convert an ordinary loss or deduction into a capital loss (the deductibility of which is more limited),
(vi) cause the Fund to recognize income or gain without a corresponding receipt of cash, (vii) adversely affect the time as to when a
purchase or sale of stock or securities is deemed to occur, (viii) adversely alter the characterization of certain complex financial transactions,
and (ix) produce income that will not qualify as good income for purposes of the 90% annual gross income requirement described above.
While it may not always be successful in doing so, the Fund will seek to avoid or minimize any adverse tax consequences of its investment
practices.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Dividends and interest received, and gains realized,
by the Fund on non-U.S. securities may be subject to income, withholding or other taxes imposed by foreign countries and United States
possessions (collectively &#8220;foreign taxes&#8221;) that would reduce the return on its securities. Tax conventions between certain
countries and the United States, however, may reduce or eliminate foreign taxes, and many foreign countries do not impose taxes on capital
gains in respect of investments by U.S. investors. Depending on the number of non-U.S. shareholders in the Fund, however, such reduced
foreign withholding tax rates may not be available for investments in certain jurisdictions.</P>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may invest in the stock of &#8220;passive
foreign investment companies&#8221; (&#8220;PFICs&#8221;). A PFIC is any foreign corporation (with certain exceptions) that, in general,
meets either of the following tests: (1) at least 75% of its gross income is passive or (2) an average of at least 50% of its assets produce,
or are held for the production of, passive income. Under certain circumstances, the Fund will be subject to U.S. federal income tax on
a portion of any &#8220;excess distribution&#8221; received on the stock of a PFIC or of any gain from disposition of that stock (collectively
&#8220;PFIC income&#8221;), plus interest thereon, even if the Fund distributes the PFIC income as a taxable dividend to its shareholders.
The balance of the PFIC income will be included in the Fund&#8217;s investment company taxable income and, accordingly, will not be taxable
to it to the extent it distributes that income to its shareholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">If the Fund invests in a PFIC and elects to treat the
PFIC as a &#8220;qualified electing fund&#8221; (&#8220;QEF&#8221;), then in lieu of the foregoing tax and interest obligation, the Fund
will be required to include in income each year its pro rata share of the QEF&#8217;s annual ordinary earnings and net capital
gain&#8212;which it may have to distribute to satisfy the distribution requirement and avoid imposition of the excise tax&#8212;even if
the QEF does not distribute those earnings and gain to the Fund. In most instances it will be very difficult, if not impossible, to make
this election because of certain of its requirements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund may elect to &#8220;mark-to-market&#8221;
its stock in any PFIC. &#8220;Marking-to-market,&#8221; in this context, means including in ordinary income each taxable year the excess,
if any, of the fair market value of a PFIC&#8217;s stock over the Fund&#8217;s adjusted basis therein as of the end of that year. Pursuant
to the election, the Fund also would be allowed to deduct (as an ordinary, not capital, loss) the excess, if any, of its adjusted basis
in PFIC stock over the fair market value thereof as of the taxable year-end, but only to the extent of any net mark-to-market gains (reduced
by any prior deductions) with respect to that stock included by the Fund for prior taxable years under the election. The Fund&#8217;s
adjusted basis in each PFIC&#8217;s stock with respect to which it has made this election will be adjusted to reflect the amounts of income
included and deductions taken thereunder. The reduced rates for &#8220;qualified dividend income&#8221; are not applicable to (i) dividends
paid by a foreign corporation that is a PFIC, (ii) income inclusions from a QEF election with respect to a PFIC, and (iii) ordinary income
from a &#8220;mark-to-market&#8221; election with respect to a PFIC.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Under Section 988 of the Code, gains or losses attributable
to fluctuations in exchange rates between the time the Fund accrues income or receivables or expenses or other liabilities denominated
in a non-U.S. currency and the time the Fund actually collects such income or receivables or pays such liabilities generally are treated
as ordinary income or loss. Similarly, gains or losses on non-U.S. currency forward contracts and the disposition of debt securities denominated
in a non-U.S. currency, to the extent attributable to fluctuations in exchange rate between the acquisition and disposition dates, also
are treated as ordinary income or loss.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">If a shareholder realizes a loss on disposition of
the Fund&#8217;s shares of $2 million or more in any single taxable year (or $4 million or more in any combination of taxable years in
which the transaction is entered into and the five succeeding taxable years) for an individual shareholder, corporation or Trust or $10
million or more in any single taxable year (or $20 million or more in any combination of taxable years in which the transaction is entered
into and the five succeeding taxable years) for a corporate shareholder, the shareholder must file with the IRS a disclosure statement
on Form 8886. Direct shareholders of portfolio securities are in many cases excepted from this reporting requirement, but under current
guidance, shareholders of a RIC are not excepted. Future guidance may extend the current exception from this reporting requirement to
shareholders of most or all RICs. The fact that a loss is reportable under these regulations does not affect the legal determination of
whether the taxpayer&#8217;s treatment of the loss is proper. Shareholders should consult their tax advisers to determine the applicability
of these regulations in light of their individual circumstances.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Amounts paid by the Fund to individuals and certain
other shareholders who have not provided the Fund with their correct taxpayer identification number (&#8220;TIN&#8221;) and certain certifications
required by the IRS as well as shareholders with respect to whom the Fund has received certain information from the IRS or a broker may
be subject to &#8220;backup&#8221; withholding of U.S. federal income tax arising from the Fund&#8217;s taxable dividends and other distributions
as well as the gross proceeds of sales of shares, at a rate of 24%. An individual&#8217;s TIN generally is his or her social security
number. Backup withholding is not an additional tax. Any amounts withheld under the backup withholding rules from payments made to a shareholder
may be refunded or credited against such shareholder&#8217;s U.S. federal income tax liability, if any; provided that the required information
is furnished to the IRS.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Distributions will not be subject to backup withholding
to the extent they are subject to the withholding tax on foreign persons described in the next paragraph.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Dividend distributions are in general subject to a
U.S. withholding tax of 30% when paid to a nonresident alien individual, foreign estate or trust, a foreign corporation, or a foreign
partnership (&#8220;foreign shareholder&#8221;). Persons</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">who are resident in a country, such as the U.K., that has an income tax treaty
with the U.S. may be eligible for a reduced withholding rate (upon filing of appropriate forms), and are urged to consult their tax advisors
regarding the applicability and effect of such a treaty. Distributions of capital gain dividends paid by the Fund to a foreign shareholder,
and any gain realized upon the sale of Fund shares by such a shareholder, will ordinarily not be subject to U.S. taxation, unless the
recipient or seller is a nonresident alien individual who is present in the United States for more than 182 days during the taxable year.
Such distributions and sale proceeds may be subject, however, to backup withholding, unless the foreign investor certifies his non-U.S.
residency status. Also, foreign shareholders with respect to whom income from the Fund is &#8220;effectively connected&#8221; with a U.S.
trade or business carried on by such shareholder will in general be subject to U.S. federal income tax on a net basis on the income derived
from the Fund at the graduated rates applicable to U.S. citizens, residents or domestic corporations, whether such income is received
in cash or reinvested in shares, and, in the case of a foreign corporation, also may be subject to a branch profits tax. Properly-designated dividends are generally exempt from U.S.
federal withholding tax where they are (i) &#8220;interest-related dividends&#8221; paid in respect of the Fund&#8217;s &#8220;qualified
net interest income&#8221; (generally, the Fund&#8217;s U.S. source interest income, other than certain contingent interest and interest
from obligations of a corporation or partnership in which the Fund is at least a 10% shareholder, reduced by expenses that are allocable
to such income) or (ii) &#8220;short-term capital gain dividends&#8221; paid in respect of the Fund&#8217;s &#8220;qualified short-term
gains&#8221; (generally, the excess of the Fund&#8217;s net short-term capital gain over the Fund&#8217;s long-term capital loss for such
taxable year). Depending on its circumstances, the Fund may designate all, some or none of its potentially eligible dividends as such
interest-related dividends or as short-term capital gain dividends and/or treat such dividends, in whole or in part, as ineligible for
this exemption from withholding. The Fund&#8217;s capital gain distributions are also exempt from such withholding. Foreign shareholders
who are residents in a country with an income tax treaty with the United States may obtain different tax results, and are urged to consult
their tax advisors.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Foreign Account Tax Compliance Act (FATCA), imposes
a 30% U.S. withholding tax on certain U.S. source payments, including interest (even if the interest is otherwise exempt from the withholding
rules described above), dividends and other fixed or determinable annual or periodical income (&#8220;Withholdable Payments&#8221;), if
paid to a foreign financial institution, unless such institution registers with the IRS and enters into an agreement with the IRS or a
governmental authority in its own jurisdiction to collect and provide substantial information regarding U.S. account holders, including
certain account holders that are foreign entities with U.S. owners, with such institution. The legislation also generally imposes a withholding
tax of 30% on Withholdable Payments made to a non-financial foreign entity unless such entity provides the withholding agent with a certification
that it does not have any substantial U.S. owners or a certification identifying the direct and indirect substantial U.S. owners of the
entity. These withholding and reporting requirements generally apply to income payments made after June 30, 2014. A withholding tax that
would apply to the gross proceeds from the disposition of certain investment property and that was scheduled to go into effect in 2019
would be eliminated by proposed regulations (having an immediate effect while pending). Holders are urged to consult with their own tax
advisors regarding the possible implications of this recently enacted legislation on their investment in the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The foregoing briefly summarizes some of the important
U.S. federal income tax consequences to Common Shareholders of investing in Common Shares, reflects U.S. federal tax law as of the date
of this SAI, and does not address special tax rules applicable to certain types of investors, such as corporate and non-U.S. investors.
Unless otherwise noted, this discussion assumes that an investor is a United States person and holds Common Shares as a capital asset.
This discussion is based upon present provisions of the Code, the regulations promulgated thereunder, and judicial and administrative
ruling authorities, all of which are subject to change or differing interpretations by the courts or the IRS retroactively or prospectively.
Investors should consult their tax advisors regarding other U.S. federal, state or local tax considerations that may be applicable to
their particular circumstances, as well as any proposed tax law changes.</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><A NAME="tocsai_011"></A>Other Information</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund is an organization of the type commonly known
as a &#8220;Massachusetts business trust.&#8221; Under Massachusetts law, shareholders of such a trust may, in certain circumstances,
be held personally liable as partners for the obligations of the trust. The Declaration of Trust contains an express disclaimer of shareholder
liability in connection with Fund property or the acts, obligations or affairs of the Fund. The Declaration of Trust also provides for
indemnification out of Fund property of any shareholder held personally liable for the claims and liabilities to which a shareholder may
become subject by sole reason of being or having been a shareholder. Thus, the risk of a shareholder incurring financial loss on account
of shareholder liability is limited to circumstances in which the Fund itself is unable to meet its obligations. The Fund has been advised
by its counsel that the risk of any shareholder incurring any liability for the</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">obligations of the Fund is remote.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Declaration of Trust provides that the Trustees
will not be liable for errors of judgment or mistakes of fact or law; but nothing in the Declaration of Trust protects a Trustee against
any liability to the Fund or its shareholders to which he or she would otherwise be subject by reason of willful misfeasance, bad faith,
gross negligence, or reckless disregard of the duties involved in the conduct of his or her office. Voting rights are not cumulative with
respect to the election of Trustees, which means that the holders of more than 50% of the shares voting for the election of Trustees can
elect 100% of the Trustees and, in such event, the holders of the remaining less than 50% of the shares voting on the matter will not
be able to elect any Trustees.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Effective January 22, 2016, the Board of Trustees of
the Fund amended and restated in its entirety the Declaration of Trust and the By-Laws for the Fund. The amendments
to the Declaration of Trust include, among other changes, provisions that: (i) clarify certain duties, responsibilities, and powers of
the Trustees; and (ii) clarify that shareholders are not intended to be third-party beneficiaries of Fund contracts. The amendments to
the By-Laws include, among other changes, provisions that: (i) clarify that, other than as provided under federal securities laws, the
shareholders may only bring actions involving the Fund derivatively; and (ii) provide that any action brought by a shareholder related
to the Fund will be brought in Massachusetts state or federal court, and that, if a claim is brought in a different jurisdiction and subsequently
changed to a Massachusetts venue, the shareholder will be required to reimburse the Fund for such expenses. The foregoing description
of the Declaration of Trust and By-Laws are qualified in their entirety by the full text of the Declaration of Trust and By-Laws, each
effective as of January 22, 2016, which is available by writing to the Secretary of the Fund at 200 Berkeley Street, Boston, Massachusetts
02116, and are available on the SEC&#8217;s website. The Declaration of Trust also is available on the Secretary of the Commonwealth of
Massachusetts&#8217; website.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><A NAME="tocsai_012"></A>Custodian and Transfer Agent</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund&#8217;s portfolio securities are held pursuant
to a custodian agreement between the Fund and State Street Bank and Trust Company (&#8220;State Street&#8221;), State Street Financial
Center, One Lincoln Street, Boston, Massachusetts 02111. Under the custodian agreement, State Street performs custody, foreign custody
manager and fund accounting services.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Computershare Shareowner Services, LLC, P.O. Box 505000,
Louisville, KY 40233 is the transfer agent, dividend paying agent and registrar of the Fund.</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><A NAME="tocsai_013"></A>Independent Registered Public Accounting
Firm</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The <A HREF="https://www.sec.gov/Archives/edgar/data/0000925683/000168386321000814/f7997d1.htm">financial
statements</A> of the Fund for the fiscal period ended December 31, 2020, including the related financial highlights that appear in the Prospectus,
have been reviewed by PricewaterhouseCoopers LLP (&ldquo;PwC&rdquo;), independent registered public accounting firm, as indicated in their report with respect thereto,
and are incorporated herein by reference.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">PwC is the independent registered public accounting
firm for the Fund, providing audit services, tax return preparation, and assistance and consultation with respect to the preparation of
filings with the SEC.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><A NAME="tocsai_014"></A>Reports to Shareholders</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The <A HREF="https://www.sec.gov/Archives/edgar/data/0000925683/000168386321000814/f7997d1.htm">financial
statements</A> of the Fund for the fiscal year ended December 31, 2020, are incorporated herein by reference from the Fund&#8217;s most recent Annual Report to Shareholders filed
with the Securities and Exchange Commission (the &#8220;SEC&#8221;) on Form N-CSR pursuant to Rule 30b2-1 under the 1940 Act.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><A NAME="tocsai_014a"></A>Incorporation by Reference</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">As noted above, this SAI is
part of a registration statement filed with the SEC. Pursuant to the final rule and form amendments adopted by the SEC&nbsp;on April 8,
2020 to implement certain provisions of the Economic Growth, Regulatory Relief, and Consumer Protection Act, the Fund is permitted to&nbsp;&ldquo;incorporate
by reference&rdquo; the information filed with the SEC, which means that the Fund can disclose important information to you by referring
you to&nbsp;those documents. The information incorporated by reference is considered to be part of this SAI, and later information that
the Fund files with the&nbsp;SEC will automatically update and supersede this information.</P>






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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">The documents listed below,
and any reports and other documents subsequently filed with the SEC pursuant to Rule 30(b)(2) under the 1940 Act and&nbsp;Sections 13(a),
13(c), 14 or 15(d) of the Exchange Act, prior to the termination of the offering will be incorporated by reference into this SAI and&nbsp;deemed
to be part of this Prospectus from the date of the filing of such reports and documents:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">- The Fund&rsquo;s Prospectus,
dated June 25, 2021, filed with this SAI;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">- The Fund&rsquo;s <A HREF="https://www.sec.gov/Archives/edgar/data/0000925683/000168386321000814/f7997d1.htm">Annual
Report</A> on Form N-CSR, filed on February 19, 2021;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">- The Fund&rsquo;s description
of Common Shares on Form 8-A, filed on June 17, 1994.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">You may obtain copies of any
information incorporated by reference into this SAI, at no charge, by calling 800-225-6020 (toll-free), from the Fund&rsquo;s website
https://www.jhinvestments.com/investments/closed-end-fund/sector-funds/financial-opportunities-fund-ce-bto, or from the SEC&rsquo;s website
at sec.gov. The Fund&rsquo;s periodic reports filed pursuant to&nbsp;Section 30(b)(2) of the 1940 Act and Sections 13 and 15(d) of the
Exchange Act, as well as the Prospectus and the Statement of Additional Information, are&nbsp;available on the Fund&rsquo;s website https://www.jhinvestments.com/investments/closed-end-fund/sector-funds/financial-opportunities-fund-ce-bto.
You also may obtain a copy of any information regarding the Fund filed with the SEC from the SEC&rsquo;s website (sec.gov).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><A NAME="tocsai_015"></A>Legal and Regulatory Matters</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">There are no legal proceedings to which the Fund, the
Advisor, or any of its affiliates is a party that are likely to have a material adverse effect on the Fund, or the ability of the Advisor
to perform its contract with the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><FONT STYLE="font-variant: small-caps"><B>&nbsp;</B></FONT></P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><A NAME="tocsai_016"></A>Codes of Ethics</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund, the Advisor, the Subadvisor and John Hancock
Investment Management Distributors LLC each have adopted Codes of Ethics that comply with Rule 17j-1 under the 1940 Act. Each Code of
Ethics permits personnel subject to that Code of Ethics to invest in securities, including securities that may be purchased or held by
the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">These Codes of Ethics may be obtained by calling the
SEC at 202-942-8090. These Codes of Ethics also are available on the EDGAR Database on the SEC&#8217;s website at sec.gov. Copies of these
Codes of Ethics may be obtained, after paying a duplicating fee, by electronic request at the following e-mail address: public info@sec.gov.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><A NAME="tocsai_017"></A>Additional Information</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund&#8217;s Prospectus, any related Prospectus
Supplements, and this SAI do not contain all of the information set forth in the Registration Statement that the Fund has filed with the
SEC. The complete Registration Statement may be obtained from the SEC upon payment of the fee prescribed
by its Rules and Regulations.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>John Hancock Investors Trust</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Statement of Additional Information</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>June 25, 2021</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Investment Advisor</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">John Hancock Investment Management LLC</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">200 Berkeley Street</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Boston, Massachusetts 02116</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">1-800-225-6020</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Subadvisor</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Manulife Investment Management (US) LLC<BR>
200 Berkeley Street</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Boston, Massachusetts 02116</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Custodian</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">State Street Bank and Trust Company</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">State Street Financial Center</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">One Lincoln Street</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Boston, Massachusetts 02111</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Transfer Agent</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Computershare Shareowner Services, LLC</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">P.O. Box 505000</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Louisville, KY 40233</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Independent Registered Public Accounting Firm</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">PricewaterhouseCoopers
LLP</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">101
Seaport Boulevard, Suite 500</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Boston,
Massachusetts 02210</FONT></P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><A NAME="tocsai_018"></A>APPENDIX A</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>DESCRIPTION OF BOND RATINGS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>DESCRIPTIONS OF CREDIT RATING SYMBOLS AND DEFINITIONS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">The ratings of Moody&#8217;s Investors Service,
Inc. (&#8220;Moody&#8217;s&#8221;), Standard &amp; Poor&#8217;s Ratings Services (&#8220;S&amp;P Global Ratings&#8221;) and Fitch Ratings
(&#8220;Fitch&#8221;) represent their respective opinions as of the date they are expressed and not statements of fact as to the quality
of various long-term and short-term debt instruments they undertake to rate. It should be emphasized that ratings are general and are
not absolute standards of quality. Consequently, debt instruments with the same maturity, coupon and rating may have different yields
while debt instruments of the same maturity and coupon with different ratings may have the same yield.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">Ratings do not constitute recommendations
to buy, sell, or hold any security, nor do they comment on the adequacy of market price, the suitability of any security for a particular
investor, or the tax-exempt nature or taxability of any payments of any security.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify"><B><U>IN GENERAL</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify"><B>Moody&#8217;s.</B> Ratings assigned on Moody&#8217;s
global long-term and short-term rating scales are forward-looking opinions of the relative credit risks of financial obligations issued
by non-financial corporates, financial institutions, structured finance vehicles, project finance vehicles, and public sector entities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">Note that the content of this Appendix A,
to the extent that it relates to the ratings determined by Moody&#8217;s, is derived directly from Moody&#8217;s electronic publication
of &#8220;Ratings Symbols and Definitions&#8221; which is available at: <U>https://www.moodys.com/researchdocumentcontentpage.aspx?docid=PBC_79004</U>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B><BR>
S&amp;P Global Ratings. .</B> An S&amp;P Global Ratings issue credit rating is a forward-looking opinion about the creditworthiness of
an obligor with respect to a specific financial obligation, a specific class of financial obligations, or a specific financial program
(including ratings on medium-term note programs and commercial paper programs). It takes into consideration the creditworthiness of guarantors,
insurers, or other forms of credit enhancement on the obligation and takes into account the currency in which the obligation is denominated.
The opinion reflects S&amp;P Global Ratings&#8217; view of the obligor&#8217;s capacity and willingness to meet its financial commitments
as they come due, and this opinion may assess terms, such as collateral security and subordination, which could affect ultimate payment
in the event of default.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">Issue ratings are an assessment of default
risk but may incorporate an assessment of relative seniority or ultimate recovery in the event of default. Junior obligations are typically
rated lower than senior obligations, to reflect the lower priority in bankruptcy.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">Note that the content of this Appendix A,
to the extent that it relates to the ratings determined by S&amp;P Global Ratings, is derived directly from S&amp;P Global Ratings&#8217;
electronic publication of &#8220;S&amp;P&#8217;s Global Ratings Definitions,&#8221; which is available at: <U>https://www.standardandpoors.com/en_US/web/guest/article/-/view/sourceId/504352</U>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>Fitch</B>. Fitch&#8217;s opinions are
forward looking and include Fitch&#8217;s views of future performance. In many cases, these views on future performance may include forecasts,
which may in turn (i) be informed by non-disclosable management projections, (ii) be based on a trend (sector or wider economic cycle)
at a certain stage in the cycle, or (iii) be based on historical performance. As a result, while ratings may include cyclical considerations
and attempt to assess the likelihood of repayment at &#8220;ultimate/final maturity,&#8221; material changes in economic conditions and
expectations (for a particular issuer) may result in a rating change.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">The terms &#8220;investment grade&#8221;
and &#8220;speculative grade&#8221; have established themselves over time as shorthand to describe the categories &#8216;AAA&#8217; to
&#8216;BBB&#8217; (investment grade) and &#8216;BB&#8217; to &#8216;D&#8217; (speculative grade). The terms investment grade and speculative
grade are market conventions and do not imply any recommendation or endorsement of a specific security for investment purposes. Investment
grade categories indicate relatively low to</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">moderate credit risk, while ratings in the
speculative categories either signal a higher level of credit risk or that a default has already occurred. For the convenience of investors,
Fitch may also include issues relating to a rated issuer that are not and have not been rated on its web page. Such issues are also denoted
as &#8216;NR&#8217;.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">Note that the content of this Appendix A,
to the extent that it relates to the ratings determined by Fitch, is derived directly from Fitch&#8217;s electronic publication of &#8220;Definitions
of Ratings and Other Forms of Opinion&#8221; which is available at: <U>https://www.fitchratings.com/site/dam/jcr:6b03c4cd-611d-47ec-b8f1-183c01b51b08/Rating%20Definitions%20-%20Jan%2024%202018.pd</U>f.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt"><B>GENERAL PURPOSE RATINGS<BR>
<BR>
LONG-TERM ISSUE RATINGS<BR>
<BR>
<U>MOODY&#8217;S GLOBAL LONG-TERM RATING SCALE</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">Long-term ratings are assigned to issuers
or obligations with an original maturity of one year or more and reflect both on the likelihood of a default or impairment on contractual
financial obligations and the expected financial loss suffered in the event of default or impairment.<BR>
<BR>
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>Aaa:</B> Obligations rated Aaa are judged
to be of the highest quality, subject to the lowest level of credit risk.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>Aa:</B> Obligations rated Aa are judged
to be of high quality and are subject to very low credit risk.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>A:</B> Obligations rated A are considered
upper-medium grade and are subject to low credit risk.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>Baa:</B> Obligations rated Baa are judged
to be medium-grade and subject to moderate credit risk and as such may possess certain speculative characteristics.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>Ba:</B> Obligations rated Ba are judged
to be speculative and are subject to substantial credit risk.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>B:</B> Obligations rated B are considered
speculative and are subject to high credit risk.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>Caa:</B> Obligations rated Caa are judged
to be speculative of poor standing and are subject to very high credit risk.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>Ca:</B> Obligations rated Ca are highly
speculative and are likely in, or very near, default, with some prospect of recovery of principal and interest.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>C:</B> Obligations rated C are the lowest
rated and are typically in default, with little prospect for recovery of principal or interest.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>Note: Addition of a Modifier 1, 2 or 3:
</B>Moody&#8217;s appends numerical modifiers 1, 2 and 3 to each generic rating classification from Aa through Caa. The modifier 1 indicates
that the obligation ranks in the higher end of its generic rating category; the modifier 2 indicates a mid-range ranking; and the modifier
3 indicates a ranking in the lower end of that generic rating category. Additionally, a &#8220;(hyb)&#8221; indicator is appended to all
ratings of hybrid securities issued by banks, insurers, finance companies, and securities firms. By their terms, hybrid securities allow
for the omission of scheduled dividends, interest, or principal payments, which can potentially result in impairment if such an omission
occurs. Hybrid securities may also be subject to contractually allowable write-downs of principal that could result in impairment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">Together with the hybrid indicator, the long-term
obligation rating assigned to a hybrid security is an expression of the relative credit risk associated with that security.</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B><U>S&amp;P GLOBAL RATINGS LONG-TERM ISSUE
CREDIT RATINGS
</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">Long-term ratings are assigned to issuers
or obligations with an original maturity of one year or more and reflect both on the likelihood of a default or impairment on contractual
financial obligations and the expected financial loss suffered in the event of default or impairment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>AAA:</B> An obligation rated &#8216;AAA&#8217;
has the highest rating assigned by S&amp;P Global Ratings. The obligor&#8217;s capacity to meet its financial commitment on the obligation
is extremely strong.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>AA:</B> An obligation rated &#8216;AA&#8217;
differs from the highest-rated obligations only to a small degree. The obligor&#8217;s capacity to meet its financial commitment on the
obligation is very strong.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>A:</B> An obligation rated &#8216;A&#8217;
is somewhat more susceptible to the adverse effects of changes in circumstances and economic conditions than obligations in higher-rated
categories. However, the obligor&#8217;s capacity to meet its financial commitment on the obligation is still strong.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>BBB:</B> An obligation rated &#8216;BBB&#8217;
exhibits adequate protection parameters. However, adverse economic conditions or changing circumstances are more likely to weaken the
obligor&#8217;s capacity to meet its financial commitments on the obligation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>BB, B, CCC, CC and C:</B> Obligations
rated &#8216;BB&#8217;, &#8216;B&#8217;, &#8216;CCC&#8217; &#8216;CC&#8217; and &#8216;C&#8217; are regarded as having significant speculative
characteristics. &#8216;BB&#8217; indicates the least degree of speculation and &#8216;C&#8217; the highest. While such obligations will
likely have some quality and protective characteristics, these may be outweighed by large uncertainties or major exposures to adverse
conditions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>BB:</B> An obligation rated &#8216;BB&#8217;
is less vulnerable to nonpayment than other speculative issues. However, it faces major ongoing uncertainties or exposure to adverse business,
financial, or economic conditions that could lead to the obligor&#8217;s inadequate capacity to meet its financial commitment on the obligation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>B:</B> An obligation rated &#8216;B&#8217;
is more vulnerable to nonpayment than obligations rated &#8216;BB&#8217;, but the obligor currently has the capacity to meet its financial
commitments on the obligation. Adverse business, financial, or economic conditions will likely impair the obligor&#8217;s capacity or
willingness to meet its financial commitments on the obligation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>CCC:</B> An obligation rated &#8216;CCC&#8217;
is currently vulnerable to nonpayment and is dependent upon favorable business, financial, and economic conditions for the obligor to
meet its financial commitments on the obligation. In the event of adverse business, financial or economic conditions, the obligor is not
likely to have the capacity to meet its financial commitments on the obligation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>CC:</B> An obligation rated &#8216;CC&#8217;
is currently highly vulnerable to nonpayment. The &#8216;CC&#8217; rating is used when a default has not yet occurred but S&amp;P Global
Ratings expects default to be a virtual certainty, regardless of the anticipated time to default.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>C:</B> An obligation rated &#8216;C&#8217;
is currently highly vulnerable to nonpayment, and the obligation is expected to have lower relative seniority or lower ultimate recovery
compared to obligations that are rated higher.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>D:</B> An obligation rated &#8216;D&#8217;
is in default or in breach of an imputed promise. For non-hybrid capital instruments, the &#8216;D&#8217; rating category is used when
payments on an obligation are not made on the date due, unless S&amp;P Global Ratings believes that such payments will be made within
five business days in the absence of a stated grace period or within the earlier of the stated grace period or 30 calendar days. The &#8216;D&#8217;
rating also will be used upon the filing of a bankruptcy petition or taking of similar action and where default on an obligation is a
virtual certainty, for example due to automatic stay provisions. An obligation&#8217;s rating is lowered to &#8216;D&#8217; if it is subject
to a distressed exchange offer.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify"><B>Note: Addition of a Plus (+) or minus (-)
sign: </B>The ratings from &#8216;AA&#8217; to &#8216;CCC&#8217; may be modified by the addition of a plus (+) or minus (-) sign to show
relative standing within the major rating categories.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>Dual Ratings &#8211;</B> Dual ratings
may be assigned to debt issues that have a put option or demand feature. The first component of the rating addresses the likelihood of
repayment of principal and interest as due, and the second component of the rating addresses only the demand feature. The first component
of the rating can relate to either a short-term or long-term transaction and accordingly use either short-term or long-term rating symbols.
The second component of the rating relates to the put option and is assigned a short-term rating symbol (for example, &#8216;AAA/A-1+&#8217;
or &#8216;A-1+/A-1&#8217;). With U. S. municipal short-term demand debt, the U.S. municipal short-term note rating symbols are used for
the first component of the rating (for example, &#8216;SP-1+/A-1+&#8217;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify"><B><U>FITCH CORPORATE FINANCE OBLIGATIONS &#8211;
LONG-TERM RATING SCALES</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">Ratings of individual securities or financial
obligations of a corporate issuer address relative vulnerability to default on an ordinal scale. In addition, for financial obligations
in corporate finance, a measure of recovery given default on that liability is also included in the rating assessment. This notably applies
to covered bond ratings, which incorporate both an indication of the probability of default and of the recovery given a default of this
debt instrument.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>AAA: Highest credit quality</B>. &#8216;AAA&#8217;
ratings denote the lowest expectation of credit risk. They are assigned only in cases of exceptionally strong capacity for payment of
financial commitments. This capacity is highly unlikely to be adversely affected by foreseeable events.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>AA: Very high credit quality</B>. &#8216;AA&#8217;
ratings denote expectations of very low credit risk. They indicate very strong capacity for payment of financial commitments. This capacity
is not significantly vulnerable to foreseeable events.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>A: High credit quality</B>. &#8216;A&#8217;
ratings denote expectations of low credit risk. The capacity for payment of financial commitments is considered strong. This capacity
may, nevertheless, be more vulnerable to adverse business or economic conditions than is the case for higher ratings.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>BBB: Good credit quality</B>. &#8216;BBB&#8217;
ratings indicate that expectations of credit risk are currently low. The capacity for payment of financial commitments is considered adequate
but adverse business or economic conditions are more likely to impair this capacity.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>BB: Speculative</B>. &#8216;BB&#8217;
ratings indicate an elevated vulnerability to credit risk, particularly in the event of adverse changes in business or economic conditions
over time; however, business or financial alternatives may be available to allow financial commitments to be met.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>B: Highly speculative</B>. &#8216;B&#8217;
ratings indicate that material credit risk is present.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B><BR>
CCC: Substantial credit risk</B>. &#8220;CCC&#8221; ratings indicate that substantial credit risk is present.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>CC: Very high levels of credit risk</B>.
&#8220;CC&#8221; ratings indicate very high levels of credit risk.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>C: Exceptionally high levels of credit
risk</B>. &#8220;C&#8221; indicates exceptionally high levels of credit risk.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">Corporate finance defaulted obligations typically
are not assigned &#8216;RD&#8217; or &#8216;D&#8217; ratings but are instead rated in the &#8216;CCC&#8217; to &#8216;C&#8217; rating
categories, depending on their recovery prospects and other relevant characteristics. This approach better aligns obligations that have
comparable overall expected loss but varying vulnerability to default and loss.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>Note: Addition of a Plus (+) or minus
(-) sign:</B> Within rating categories, Fitch may use modifiers. The modifiers &#8220;+&#8221; or &#8220;-&#8221; may be appended to a
rating to denote relative status within major rating categories. For example, the rating category &#8216;AA&#8217; has three notch-specific
rating levels (&#8216;AA+&#8217;; &#8216;AA&#8217;; &#8216;AA-&#8217;; each a rating level). Such suffixes</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">are not added to &#8216;AAA&#8217; ratings
and ratings below the &#8216;CCC&#8217; category. For the short-term rating category of &#8216;F1&#8217;, a &#8216;+&#8217; may be appended.
For Viability Ratings, the modifiers &#8216;+&#8217; or &#8216;-&#8217; may be appended to a rating to denote relative status within categories
from &#8216;aa&#8217; to &#8216;ccc&#8217;.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>CORPORATE AND TAX-EXEMPT COMMERCIAL PAPER RATINGS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>SHORT-TERM ISSUE RATINGS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><U>MOODY&#8217;S GLOBAL SHORT-TERM RATING SCALE</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B></B>Ratings assigned on Moody&#8217;s global long-term and short-term rating scales
are forward-looking opinions of the relative credit risks of financial obligations issued by non-financial corporates, financial institutions,
structured finance vehicles, project finance vehicles, and public sector entities. Short-term ratings are assigned to obligations with
an original maturity of thirteen months or less and reflect both the likelihood of a default or impairment on contractual financial obligations
and the expected financial loss suffered in the event of default or impairment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">Moody&#8217;s employs the following designations
to indicate the relative repayment ability of rated issuers:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>P-1:</B> Issuers (or supporting institutions)
rated Prime-1 have a superior ability to repay short-term debt obligations.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>P-2:</B> Issuers (or supporting institutions)
rated Prime-2 have a strong ability to repay short-term debt obligations.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>P-3:</B> Issuers (or supporting institutions)
rated Prime-3 have an acceptable ability to repay short-term obligations.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>NP:</B> Issuers (or supporting institutions)
rated Not Prime do not fall within any of the Prime rating categories.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">
&nbsp;
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">The following indicates the long-term ratings
consistent with different short-term ratings when such long-term ratings exist. (Note: Structured finance short-term ratings are usually
based either on the short-term rating of a support provider or on an assessment of cash flows available to retire the financial obligation).<BR>
<BR>
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify"><B><U>S&amp;P&#8217;S SHORT-TERM ISSUE CREDIT
RATINGS</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">S&amp;P Global Ratings&#8217; short-term
ratings are generally assigned to those obligations considered short-term in the relevant market. Short-term ratings are also used to
indicate the creditworthiness of an obligor with respect to put features on long-term obligations. Medium term notes are assigned long-term
ratings. Ratings are graded into several categories, ranging from &#8216;A&#8217; for the highest-quality obligations to &#8216;D&#8217;
for the lowest. These categories are as follows:<BR>
<BR>
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>A-1:</B> A short-term obligation rated
&#8216;A-1&#8217; is rated in the highest category by S&amp;P Global Ratings. The obligor&#8217;s capacity to meet its financial commitment
on the obligation is strong. Within this category, certain obligations are designated with a plus sign (+). This indicates that the obligor&#8217;s
capacity to meet its financial commitments on these obligations is extremely strong.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>A-2:</B> A short-term obligation rated
&#8216;A-2&#8217; is somewhat more susceptible to the adverse effects of changes in circumstances and economic conditions than obligations
in higher rating categories. However, the obligor&#8217;s capacity to meet its financial commitments on the obligation is satisfactory.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>A-3:</B> A short-term obligation rated
&#8216;A-3&#8217; exhibits adequate protection parameters. However, adverse economic conditions or changing circumstances are more likely
to weaken an obligor&#8217;s capacity to meet its financial commitments on the obligation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>B:</B> A short-term obligation rated &#8216;B&#8217;
is regarded as vulnerable and has significant speculative characteristics. The obligor currently has the capacity to meet its financial
commitments; however, it faces major ongoing uncertainties that could lead to the obligor&#8217;s inadequate capacity to meet its financial
commitments.
</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>C:</B> A short-term obligation rated &#8216;C&#8217;
is currently vulnerable to nonpayment and is dependent upon favorable business, financial, and economic conditions for the obligor to
meet its financial commitments on the obligation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>D:</B> A short-term obligation rated &#8216;D&#8217;
is in default or in breach of an imputed promise. For non-hybrid capital instruments, the &#8216;D&#8217; rating category is used when
payments on an obligation are not made on the date due, unless S&amp;P Global Ratings believes that such payments will be made within
any stated grace period. However, any stated grace period longer than five business days will be treated as five business days. The &#8216;D&#8217;
rating also will be used upon the filing of a bankruptcy petition or the taking of a similar action and where default on an obligation
is a virtual certainty, for example due to automatic stay provisions. An obligation&#8217;s rating is lowered to &#8216;D&#8217; if it
is subject to a distressed exchange offer.
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>Dual Ratings -</B> Dual ratings may be
assigned to debt issues that have a put option or demand feature. The first component of the rating addresses the likelihood of repayment
of principal and interest as due, and the second component of the rating addresses only the demand feature. The first component of the
rating can relate to either a short-term or long-term transaction and accordingly use either short-term or long-term rating symbols. The
second component of the rating relates to the put option and is assigned a short-term rating symbol (for example, &#8216;AAA/A-1+&#8217;
or &#8216;A-1+/A-1&#8217;). With U.S. municipal short-term demand debt, the U.S. municipal short-term note rating symbols are used for
the first component of the rating (for example, &#8216;SP-1+/A-1+&#8217;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B><U><BR>
FITCH&#8217;S SHORT-TERM ISSUER OR OBLIGATION RATINGS</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">A short-term issuer or obligation rating
is based in all cases on the short-term vulnerability to default of the rated entity and relates to the capacity to meet financial obligations
in accordance with the documentation governing the relevant obligation. Short-term deposit ratings may be adjusted for loss severity.
Short-term deposit ratings may be adjusted for loss severity. Short-Term Ratings are assigned to obligations whose initial maturity is
viewed as &#8220;short term&#8221; based on market convention. Typically, this means up to 13 months for corporate, sovereign, and structured
obligations, and up to 36 months for obligations in U.S. public finance markets.<BR>
<BR>
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>F1:</B> Highest short-term credit quality.
Indicates the strongest intrinsic capacity for timely payment of financial commitments; may have an added (&#8220;+&#8221;) to denote
any exceptionally strong credit feature.<BR>
<BR>
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>F2:</B> Good short-term credit quality.
Good intrinsic capacity for timely payment of financial commitments.<BR>
<BR>
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>F3:</B> Fair short-term credit quality.
The intrinsic capacity for timely payment of financial commitments is adequate.<BR>
<BR>
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>B:</B> Speculative short-term credit quality.
Minimal capacity for timely payment of financial commitments, plus heightened vulnerability to near term adverse changes in financial
and economic conditions.<BR>
<BR>
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>C:</B> High short-term default risk. Default
is a real possibility.<BR>
<BR>
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>RD:</B> Restricted default. Indicates
an entity that has defaulted on one or more of its financial commitments, although it continues to meet other financial obligations. Typically
applicable to entity ratings only.<BR>
<BR>
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>D:</B> Default. Indicates a broad-based
default event for an entity, or the default of a short-term obligation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt"><B>
TAX-EXEMPT NOTE RATINGS<BR>
<BR>
<U>MOODY&#8217;S U.S. MUNICIPAL SHORT-TERM DEBT RATINGS</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">While the global short-term &#8216;prime&#8217;
rating scale is applied to US municipal tax-exempt commercial A-8 paper, these programs are typically backed by external letters of credit
or liquidity facilities and their short-term prime ratings usually map to the long-term rating of the enhancing bank or financial institution
and not to the municipality&#8217;s rating. Other short-term municipal obligations, which generally have different funding sources for
repayment, are rated using two additional short-term rating scales (i.e., the MIG and VMIG scale discussed below).</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">The Municipal Investment Grade (MIG) scale
is used to rate US municipal bond anticipation notes of up to five years maturity. Municipal notes rated on the MIG scale may be secured
by either pledged revenues or proceeds of a take-out financing received prior to note maturity. MIG ratings expire at the maturity of
the obligation, and the issuer&#8217;s long-term rating is only one consideration in assigning the MIG rating. MIG ratings are divided
into three levels&#8212;MIG 1 through MIG 3&#8212;while speculative grade short-term obligations are designated SG.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>MIG 1:</B> This designation denotes superior
credit quality. Excellent protection is afforded by established cash flows, highly reliable liquidity support, or demonstrated broad-based
access to the market for refinancing.
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>MIG 2:</B> This designation denotes strong
credit quality. Margins of protection are ample, although not as large as in the preceding group.
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>MIG 3:</B> This designation denotes acceptable
credit quality. Liquidity and cash-flow protection may be narrow, and market access for refinancing is likely to be less well-established.
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>SG:</B> This designation denotes speculative-grade
credit quality. Debt instruments in this category may lack sufficient margins of protection.
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">Variable Municipal Investment Grade (VMIG)
ratings of demand obligations with unconditional liquidity support are mapped from the short-term debt rating (or counterparty assessment)
of the support provider, or the underlying obligor in the absence of third party liquidity support, with VMIG 1 corresponding to P-1,
VMIG 2 to P-2, VMIG 3 to P-3 and SG to not prime. For example, the VMIG rating for an industrial revenue bond with Company XYZ as the
underlying obligor would normally have the same numerical modifier as Company XYZ&#8217;s prime rating. Transitions of VMIG ratings of
demand obligations with conditional liquidity support, as shown in the diagram below, differ from transitions on the Prime scale to reflect
the risk that external liquidity support will terminate if the issuer&#8217;s long-term rating drops below investment grade.
</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">&nbsp;</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>VMIG 1:</B> This designation denotes superior
credit quality. Excellent protection is afforded by the superior short-term credit strength of the liquidity provider and structural and
legal protections that ensure the timely payment of purchase price upon demand.
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>VMIG 2:</B> This designation denotes strong
credit quality. Good protection is afforded by the strong short-term credit strength of the liquidity provider and structural and legal
protections that ensure the timely payment of purchase price upon demand.
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>VMIG 3:</B> This designation denotes acceptable
credit quality. Adequate protection is afforded by the satisfactory short-term credit strength of the liquidity provider and structural
and legal protections that ensure the timely payment of purchase price upon demand.
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>SG:</B> This designation denotes speculative-grade
credit quality. Demand features rated in this category may be supported by a liquidity provider that does not have an investment grade
short-term rating or may lack the structural and/or legal protections necessary to ensure the timely payment of purchase price upon demand.
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">* For VRDBs supported with conditional liquidity
support, short-term ratings transition down at higher long-term ratings to reflect the risk of termination of liquidity support as a result
of a downgrade below investment grade.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">VMIG ratings of VRDBs with unconditional
liquidity support reflect the short-term debt rating (or counterparty assessment) of the liquidity support provider with VMIG 1 corresponding
to P-1, VMIG 2 to P-2, VMIG 3 to P-3 and SG to not prime.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">For more complete discussion of these rating
transitions, please see Annex B of Moody&#8217;s Methodology titled Variable Rate Instruments Supported by Conditional Liquidity Facilities.</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B><U>S&amp;P&#8217;S GLOBAL RATINGS&#8217;
MUNICIPAL SHORT-TERM NOTE RATINGS</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B><U>MUNICIPAL SHORT-TERM NOTE RATINGS</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><BR>
An S&amp;P Global Ratings municipal note rating reflects S&amp;P Global Ratings&#8217; opinion about the liquidity factors and market
access risks unique to the notes. Notes due in three years or less will likely receive a note rating. Notes with an original maturity
of more than three years will most likely receive a long-term debt rating. In determining which type of rating, if any, to assign, S&amp;P
Global Ratings&#8217; analysis will review the following considerations:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-family: Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 1%; padding-right: 12.25pt; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9632;</FONT></TD>
    <TD STYLE="width: 99%; padding-right: 12.25pt; padding-left: 2pt; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Amortization schedule &#8211; the larger the final maturity relative to other maturities, the more likely it will be treated as a note; and</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-family: Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 1%; padding-right: 12.25pt; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&#9632;</FONT></TD>
    <TD STYLE="width: 99%; padding-right: 12.25pt; padding-left: 2pt; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Source of payment &#8211; the more dependent the issue is on the market for its refinancing, the more likely it will be treated as a note.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">Note rating symbols are as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>SP-1:</B> Strong capacity to pay principal
and interest. An issue determined to possess a very strong capacity to pay debt service is given a plus (+) designation.
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>SP-2:</B> Satisfactory capacity to pay
principal and interest, with some vulnerability to adverse financial and economic changes over the term of the notes.
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>SP-3:</B> Speculative capacity to pay
principal and interest.
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1pt 0 0; background-color: white"><B>D:</B> &#8216;D&#8217; is assigned upon
failure to pay the note when due, completion of a distressed exchange offer, or the filing of a bankruptcy petition or the taking of similar
action and where default on an obligation is a virtual certainty, for example due to automatic stay provisions.
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify"><B><U>FITCH PUBLIC FINANCE RATINGS</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">See FITCH SHORT-TERM ISSUER OR OBLIGATIONS RATINGS
above.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><A NAME="tocsai_019"></A>APPENDIX B</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>PROXY VOTING POLICIES OF THE ADVISOR, THE JOHN HANCOCK
FUNDS AND THE SUBADVISOR</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>JOHN HANCOCK INVESTMENT MANAGEMENT LLC</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>PROXY VOTING POLICIES AND PROCEDURES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 5.4pt; width: 100%; border: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>General</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The SEC adopted Rule 206(4)-6 under the Advisers Act,
    which requires investment advisers with voting authority to adopt and implement written policies and procedures that are reasonably designed
    to ensure that the investment adviser votes client securities in the best interest of clients. The procedures must include how the investment
    adviser addresses material conflicts that may arise between the interests of the investment adviser and those of its clients. The Advisers
    are registered investment advisers under the Advisers Act and serve as the investment advisers to the Funds. The Advisers generally retain
    one or more sub-advisers to manage the assets of the Funds, including voting proxies with respect to a Fund&#8217;s portfolio securities.
    From time to time, however, the Advisers may elect to manage directly the assets of a Fund, including voting proxies with respect to such
    Fund&#8217;s portfolio securities, or a Fund&#8217;s Board may otherwise delegate to the Advisers authority to vote such proxies. Rule
    206(4)-6 under the Advisers Act requires that a registered investment adviser adopt and implement written policies and procedures reasonably
    designed to ensure that it votes proxies with respect to a client&#8217;s securities in the best interest of the client.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Firms are required by Advisers Act Rule 204-2(c)(2)
    to maintain records of their voting policies and procedures, a copy of each proxy statement that the investment adviser receives regarding
    client securities, a record of each vote cast by the investment adviser on behalf of a client, a copy of any document created by the investment
    adviser that was material to making a decision how to vote proxies on behalf of a client, and a copy of each written client request for
    information on how the adviser voted proxies on behalf of the client, as well as a copy of any written response by the investment adviser
    to any written or oral client request for information on how the adviser voted that client&#8217;s proxies.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Investment companies must disclose information about
    the policies and procedures used to vote proxies on the investment company&#8217;s portfolio securities and must file the fund&#8217;s
    proxy voting record with the SEC annually on Form N-PX.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Pursuant thereto, the Advisers have adopted and implemented these proxy
    voting policies and procedures (the &#8220;Proxy Procedures&#8221;).</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Policy</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">It is the Advisers&#8217; policy to comply with Rule 206(4)-6 and Rule 204-2(c)(2) under the Advisers Act as described above. In general, the Advisers delegate proxy voting decisions to the sub-advisers managing the funds. If an instance occurs where a conflict of interest arises between the shareholders and a particular sub-adviser, however, the Adviser retains the right to influence and/or direct the conflicting proxy voting decisions.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Procedure</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Fiduciary Duty</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisers have a fiduciary duty to vote proxies
    on behalf of a Fund in the best interest of the Fund and its shareholders.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Voting of Proxies</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisers will vote proxies with respect to a Fund&#8217;s
    portfolio securities when authorized to do so by the Fund and subject to the Fund&#8217;s proxy voting policies and procedures and any
    further direction or delegation of authority by the Fund&#8217;s Board. The decision on how to vote a proxy will be made by the person(s)
    to whom the Advisers have from time to time delegated such responsibility (the &#8220;Designated Person&#8221;). The Designated Person
    may include the Fund&#8217;s portfolio manager(s) or a Proxy Voting Committee, as described below.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">When voting proxies with respect to a Fund&#8217;s
    portfolio securities, the following standards will apply:</P></TD></TR>
  </TABLE>



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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 5.4pt; width: 100%; border: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 28.8pt; text-align: justify; text-indent: -14.4pt">&bull;&nbsp;&nbsp;&nbsp;&nbsp;The Designated
    Person will vote based on what it believes is in the best interest of the Fund and its shareholders and in accordance with the Fund&#8217;s
    investment guidelines.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 28.8pt; text-align: justify; text-indent: -14.4pt">&bull;&nbsp;&nbsp;&nbsp;&nbsp;Each voting
    decision will be made independently. To assist with the analysis of voting issues and/or to carry out the actual voting process the Designated
    Person may enlist the services of (1) reputable professionals (who may include persons employed by or otherwise associated with the Advisers
    or any of its affiliated persons) or (2) independent proxy evaluation services such as Institutional Shareholder Services. However, the
    ultimate decision as to how to vote a proxy will remain the responsibility of the Designated Person.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 28.8pt; text-align: justify; text-indent: -14.4pt">&bull;&nbsp;&nbsp;&nbsp;&nbsp;The Advisers
    believe that a good management team of a company will generally act in the best interests of the company. Therefore, the Designated Person
    will take into consideration as a key factor in voting proxies with respect to securities of a company that are held by the Fund the quality
    of the company&#8217;s management. In general, the Designated Person will vote as recommended by company management except in situations
    where the Designated Person believes such recommended vote is not in the best interests of the Fund and its shareholders.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 28.8pt; text-align: justify; text-indent: -14.4pt">&bull;&nbsp;&nbsp;&nbsp;&nbsp;As a general
    principle, voting with respect to the same portfolio securities held by more than one Fund should be consistent among those Funds having
    substantially the same investment mandates.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 28.8pt; text-align: justify; text-indent: -14.4pt">&bull;&nbsp;&nbsp;&nbsp;&nbsp;The Advisers
    will provide the Fund, from time to time in accordance with the Fund&#8217;s proxy voting policies and procedures and any applicable laws
    and regulations, a record of the Advisers&#8217; voting of proxies with respect to the Fund&#8217;s portfolio securities.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Material Conflicts of Interest</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In carrying out its proxy voting responsibilities,
    the Advisers will monitor and resolve potential material conflicts (&#8220;Material Conflicts&#8221;) between the interests of (a) a Fund
    and (b) the Advisers or any of its affiliated persons. Affiliates of the Advisers include Manulife Financial Corporation and its subsidiaries.
    Material Conflicts may arise, for example, if a proxy vote relates to matters involving any of these companies or other issuers in which
    the Advisers or any of their affiliates has a substantial equity or other interest.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">If the Advisers or a Designated Person become aware
    that a proxy voting issue may present a potential Material Conflict, the issue will be referred to the Advisers&#8217; Legal Department
    and/or the Office of the CCO. If the Legal Department and/or the Office of the CCO, as applicable determines that a potential Material
    Conflict does exist, a Proxy Voting Committee will be appointed to consider and resolve the issue. The Proxy Voting Committee may make
    any determination that it considers reasonable and may, if it chooses, request the advice of an independent, third-party proxy service
    on how to vote the proxy.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Voting Proxies of Underlying Funds of a Fund of Funds</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisers or the Designated Person will vote proxies
    with respect to the shares of a Fund that are held by another Fund that operates as a Fund of Funds&#8221;) in the manner provided in
    the proxy voting policies and procedures of the Fund of Funds (including such policies and procedures relating to material conflicts of
    interest) or as otherwise directed by the board of trustees or directors of the Fund of Funds.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Proxy Voting Committee(s)</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisers will from time to time, and on such temporary
    or longer-term basis as they deem appropriate, establish one or more Proxy Voting Committees. A Proxy Voting Committee shall include the
    Advisers&#8217; CCO and may include legal counsel. The terms of reference and the procedures under which a Proxy Voting Committee will
    operate will be reviewed from time to time by the Legal and Compliance Department. Records of the deliberations and proxy voting recommendations
    of a Proxy Voting Committee will be maintained in accordance with applicable law, if any, and these Proxy Procedures. Requested shareholder
    proposals or other Shareholder Advocacy must be submitted for consideration pursuant to the Shareholder Advocacy Policy and Procedures.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Records Retention</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisers will retain (or arrange for the retention
    by a third party of) such records relating to proxy voting pursuant to these Proxy Procedures as may be required from time to time by
    applicable law and regulations, including the following:</P></TD></TR>
  </TABLE>
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    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">1.&nbsp;&nbsp;&nbsp;These
    Proxy Procedures and all amendments hereto;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">2.&nbsp;&nbsp;&nbsp;All
    proxy statements received regarding Fund portfolio securities;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">3.&nbsp;&nbsp;&nbsp;Records
    of all votes cast on behalf of a Fund;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">4.&nbsp;&nbsp;&nbsp;Records
    of all Fund requests for proxy voting information;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">5.&nbsp;&nbsp;&nbsp;Any
    documents prepared by the Designated Person or a Proxy Voting Committee that were material to or memorialized the basis for a voting decision;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">6.&nbsp;&nbsp;&nbsp;All
    records relating to communications with the Funds regarding Conflicts; and</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">7.&nbsp;&nbsp;&nbsp;All
    minutes of meetings of Proxy Voting Committees.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The Office of the CCO, and/or the Legal Department are responsible for maintaining
    the documents set forth above as needed and deemed appropriate. Such documents will be maintained in the Office of the CCO, and/or the
    Legal Department for the period set forth in the Records Retention Schedule.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Voting of Proxies &#8211; SubAdvisers</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In the case of proxies voted by a sub-adviser to a
    Fund pursuant to the Fund&#8217;s proxy voting procedures, the Advisers will request the sub-adviser to certify to the Advisers that the
    sub-adviser has voted the Fund&#8217;s proxies as required by the Fund&#8217;s proxy voting policies and procedures and that such proxy
    votes were executed in a manner consistent with these Proxy Procedures and to provide the Advisers with a report detailing any instances
    where the sub-adviser voted any proxies in a manner inconsistent with the Fund&#8217;s proxy voting policies and procedures. The COO of
    the Advisers will then report to the Board on a quarterly basis regarding the sub-adviser certification and report to the Board any instance
    where the sub-adviser voted any proxies in a manner inconsistent with the Fund&#8217;s proxy voting policies and procedures.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund Administration Department maintains procedures
    affecting all administration functions for the mutual funds. These procedures detail the disclosure and administration of the Trust&#8217;s
    proxy voting records.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Trust&#8217;s Chief Legal Counsel is responsible
    for including, in the SAI of each Trust, information about the proxy voting of the Advisers and each sub-adviser.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Reporting to Fund Boards</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The CCO of the Advisers will provide the Board with
    a copy of these Proxy Procedures, accompanied by a certification that represents that the Proxy Procedures have been adopted by the Advisers
    in conformance with Rule 206(4)-6 under the Advisers Act. Thereafter, the Advisers will provide the Board with notice and a copy of any
    amendments or revisions to the Procedures and will report quarterly to the Board all material changes to these Proxy Procedures.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The CCO&#8217;s annual written compliance report to
    the Board will contain a summary of material changes to the Proxy Procedures during the period covered by the report.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">If the Advisers or the Designated Person vote any proxies
    in a manner inconsistent with either these Proxy Procedures or a Fund&#8217;s proxy voting policies and procedures, the CCO will provide
    the Board with a report detailing such exceptions.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">December 1, 2019</P></TD></TR>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>JOHN HANCOCK INVESTMENT MANAGEMENT DISTRIBUTORS LLC</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>PROXY VOTING POLICIES AND PROCEDURES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

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    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Majority of the Independent Board of Trustees (the
    &#8220;Board&#8221;) of each registered investment company of the Trusts, has adopted these proxy voting policies and procedures (the
    &#8220;Trust Proxy Policy&#8221;).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Each fund of the Trust or any other registered investment
    company (or series thereof) (each, a &#8220;fund&#8221;) is required to disclose its proxy voting policies and procedures in its registration
    statement and, pursuant to Rule 30b1-4 under the 1940 Act, file annually with the Securities and Exchange Commission and make available
    to shareholders its actual proxy voting record. In this regard, the Trust Policy is set forth below.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Policy</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">It is the Advisers&#8217; policy to comply with Rule
    206(4)-6 of the Advisers Act and Rule 30b1-4 of the 1940 Act as described above. In general, Advisers defer proxy voting decisions to
    the sub-advisers managing the Funds. It is the policy of the Trusts to delegate the responsibility for voting proxies relating to portfolio
    securities held by a Fund to the Fund&#8217;s respective Adviser or, if the Fund&#8217;s Adviser has delegated portfolio management responsibilities
    to one or more investment sub-adviser(s), to the fund&#8217;s sub-adviser(s), subject to the Board&#8217;s continued oversight. The sub-adviser
    for each Fund shall vote all proxies relating to securities held by each Fund and in that connection, and subject to any further policies
    and procedures contained herein, shall use proxy voting policies and procedures adopted by each sub-adviser in conformance with Rule 206(4)-6
    under the Advisers Act.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">If an instance occurs where a conflict of interest
    arises between the shareholders and the designated sub-adviser, however, Advisers retain the right to influence and/or direct the conflicting
    proxy voting decisions in the best interest of shareholders.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Investment Company Act</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">An investment company is required to disclose in its
    SAI either (a) a summary of the policies and procedures that it uses to determine how to vote proxies relating to portfolio securities
    or (b) a copy of its proxy voting policies.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">A fund is also required by Rule 30b1-4 of the Investment
    Company Act of 1940 to file Form N-PX annually with the SEC, which contains a record of how the fund voted proxies relating to portfolio
    securities. For each matter relating to a portfolio security considered at any shareholder meeting, Form N-PX is required to include,
    among other information, the name of the issuer of the security, a brief identification of the matter voted on, whether and how the fund
    cast its vote, and whether such vote was for or against management. In addition, a fund is required to disclose in its SAI and its annual
    and semi-annual reports to shareholders that such voting record may be obtained by shareholders, either by calling a toll-free number
    or through the fund&#8217;s website, at the fund&#8217;s option.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Advisers Act</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Under Advisers Act Rule 206(4)-6, investment advisers
    are required to adopt proxy voting policies and procedures, and investment companies typically rely on the policies of their advisers
    or sub-advisers.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Delegation of Proxy Voting Responsibilities</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">It is the policy of the Trust to delegate the responsibility
    for voting proxies relating to portfolio securities held by a fund to the fund&#8217;s investment adviser (&#8220;adviser&#8221;) or,
    if the fund&#8217;s adviser has delegated portfolio management responsibilities to one or more investment sub-adviser(s), to the fund&#8217;s
    sub-adviser(s), subject to the Board&#8217;s continued oversight. The sub-adviser for each fund shall vote all proxies relating to securities
    held by each fund and in that connection, and subject to any further policies and procedures contained herein, shall use proxy voting
    policies and procedures adopted by each sub-adviser in conformance with Rule 206(4)-6 under the Investment Advisers Act of 1940, as amended
    (the &#8220;Advisers Act&#8221;).</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Except as noted below under Material Conflicts of Interest,
    the Trust Proxy Policy with respect to a Fund shall incorporate that adopted by the Fund&#8217;s sub-adviser with respect to voting proxies
    held by its clients (the &#8220;Sub-adviser Proxy Policy&#8221;). Each Sub-adviser Policy, as it may be amended from time to time, is
    hereby incorporated by reference into the Trust Proxy Policy. Each sub-adviser to a Fund is directed to comply with these policies and
    procedures in voting proxies relating to portfolio securities held by a fund, subject to oversight by the Fund&#8217;s adviser and by
    the Board. Each Adviser to a Fund retains the responsibility, and is directed, to oversee each sub-adviser&#8217;s</P></TD></TR>
  </TABLE>



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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
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    <TD STYLE="padding: 3pt 5.4pt; width: 100%; border: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">compliance with these policies and procedures, and
    to adopt and implement such additional policies and procedures as it deems necessary or appropriate to discharge its oversight responsibility.
    Additionally, the Trust&#8217;s Chief Compliance Officer (&#8220;CCO&#8221;) shall conduct such monitoring and supervisory activities
    as the CCO or the Board deems necessary or appropriate in order to appropriately discharge the CCO&#8217;s role in overseeing the sub-advisers&#8217;
    compliance with these policies and procedures.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The delegation by the Board of the authority to vote
    proxies relating to portfolio securities of the funds is entirely voluntary and may be revoked by the Board, in whole or in part, at any
    time.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Voting Proxies of Underlying Funds of a Fund of
    Funds</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 14.4pt; text-align: justify; text-indent: -14.4pt">A.&nbsp;&nbsp;<U>Where
    the Fund of Funds is not the Sole Shareholder of the Underlying Fund</U></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 14.4pt; text-align: justify">With respect to voting proxies relating
    to the shares of an underlying fund (an &#8220;Underlying Fund&#8221;) held by a Fund of the Trust operating as a fund of funds (a &#8220;Fund
    of Funds&#8221;) in reliance on Section 12(d)(1)(G) of the 1940 Act where the Underlying Fund has shareholders other than the Fund of
    Funds which are not other Fund of Funds, the Fund of Funds will vote proxies relating to shares of the Underlying Fund in the same proportion
    as the vote of all other holders of such Underlying Fund shares.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 14.4pt; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 14.4pt; text-align: justify; text-indent: -14.4pt">B.&nbsp;&nbsp;<U>Where
    the Fund of Funds is the Sole Shareholder of the Underlying Fund</U></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 14.4pt; text-align: justify">In the event that one or more Funds of Funds
    are the sole shareholders of an Underlying Fund, the Adviser to the Fund of Funds or the Trusts will vote proxies relating to the shares
    of the Underlying Fund as set forth below unless the Board elects to have the Fund of Funds seek voting instructions from the shareholders
    of the Funds of Funds in which case the Fund of Funds will vote proxies relating to shares of the Underlying Fund in the same proportion
    as the instructions timely received from such shareholders.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 32.4pt; text-align: justify; text-indent: -14.4pt">1.&nbsp;&nbsp;<U>Where
    Both the Underlying Fund and the Fund of Funds are Voting on Substantially Identical Proposals</U></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In the event that the Underlying Fund and the Fund
    of Funds are voting on substantially identical proposals (the &#8220;Substantially Identical Proposal&#8221;), then the Adviser or the
    Fund of Funds will vote proxies relating to shares of the Underlying Fund in the same proportion as the vote of the shareholders of the
    Fund of Funds on the Substantially Identical Proposal.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 32.4pt; text-align: justify; text-indent: -14.4pt">2.&nbsp;&nbsp;&nbsp;<U>Where
    the Underlying Fund is Voting on a Proposal that is Not Being Voted on by the Fund of Funds</U></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-align: justify; text-indent: -18pt">(a)&nbsp;&nbsp;<U>Where
    there is No Material Conflict of Interest Between the Interests of the Shareholders of the Underlying Fund and the Adviser Relating to
    the Proposal</U></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-align: justify">In the event that the Fund of Funds is voting
    on a proposal of the Underlying Fund and the Fund of Funds is not also voting on a substantially identical proposal and there is no material
    conflict of interest between the interests of the shareholders of the Underlying Fund and the Adviser relating to the Proposal, then the
    Adviser will vote proxies relating to the shares of the Underlying Fund pursuant to its Proxy Voting Procedures.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-align: justify; text-indent: -18pt">(b)&nbsp;&nbsp;<U>Where
    there is a Material Conflict of Interest Between the Interests of the Shareholders of the Underlying Fund and the Adviser Relating to
    the Proposal</U></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-align: justify">In the event that the Fund of Funds is voting
    on a proposal of the Underlying Fund and the Fund of Funds is not also voting on a substantially identical proposal and there is a material
    conflict of interest between the interests of the shareholders of the Underlying Fund and the Adviser relating to the Proposal, then the
    Fund of Funds will seek voting instructions from the shareholders of the Fund of Funds on the proposal and will vote proxies relating
    to shares of the Underlying Fund in the same proportion as the instructions timely received from such shareholders. A material conflict
    is generally defined as a proposal involving a matter in which the Adviser or one of its affiliates has a material economic interest.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Material Conflicts of Interest</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">If (1) a sub-adviser to a Fund becomes aware that a
    vote presents a material conflict between the interests of (a) shareholders of the Fund; and (b) the Fund&#8217;s Adviser, sub-adviser,
    principal underwriter, or any of their affiliated persons, and (2) the sub-adviser does not propose to vote on the particular issue in
    the manner prescribed by its</P></TD></TR>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
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    <TD STYLE="padding: 3pt 5.4pt; width: 100%; border: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Sub-adviser Proxy Policy or the material conflict of
    interest procedures set forth in its Sub-adviser Proxy Policy are otherwise triggered, then the sub-adviser will follow the material conflict
    of interest procedures set forth in its Sub-adviser Proxy Policy when voting such proxies.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">If a Sub-adviser Proxy Policy provides that in the
    case of a material conflict of interest between Fund shareholders and another party, the sub-adviser will ask the Board to provide voting
    instructions, the sub-adviser shall vote the proxies, in its discretion, as recommended by an independent third party, in the manner prescribed
    by its Sub-adviser Proxy Policy or abstain from voting the proxies.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Proxy Voting Committee(s)</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisers will from time to time, and on such temporary
    or longer-term basis as they deem appropriate, establish one or more Proxy Voting Committees. A Proxy Voting Committee shall include the
    Advisers&#8217; CCO and may include legal counsel. The terms of reference and the procedures under which a Proxy Voting Committee will
    operate will be reviewed from time to time by the Legal and Compliance Department. Records of the deliberations and proxy voting recommendations
    of a Proxy Voting Committee will be maintained in accordance with applicable law, if any, and these Proxy Procedures. Requested shareholder
    proposals or other Shareholder Advocacy in the name of a Fund must be submitted for consideration pursuant to the Shareholder Advocacy
    Policy and Procedures.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Securities Lending Program</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Certain of the Funds participate in a securities lending
    program with the Trusts through an agent lender. When a Fund&#8217;s securities are out on loan, they are transferred into the borrower&#8217;s
    name and are voted by the borrower, in its discretion. Where a sub-adviser determines, however, that a proxy vote (or other shareholder
    action) is materially important to the client&#8217;s account, the sub-adviser should request that the agent recall the security prior
    to the record date to allow the sub-adviser to vote the securities.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Disclosure of Proxy Voting Policies and Procedures
    in the Trust&#8217;s Statement of Additional Information (&#8220;SAI&#8221;)</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Trust shall include in its SAI a summary of the
    Trust Proxy Policy and of the Sub-adviser Proxy Policy included therein. (In lieu of including a summary of these policies and procedures,
    the Trust may include each full Trust Proxy Policy and Sub-adviser Proxy Policy in the SAI.)</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Disclosure of Proxy Voting Policies and Procedures
    in Annual and Semi-Annual Shareholder Reports</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Trusts shall disclose in annual and semi-annual
    shareholder reports that a description of the Trust Proxy Policy, including the Sub-adviser Proxy Policy, and the Trusts&#8217; proxy
    voting record for the most recent 12 months ended June 30 are available on the Securities and Exchange Commission&#8217;s (&#8220;SEC&#8221;)
    website, and without charge, upon request, by calling a specified toll-free telephone number. The Trusts will send these documents within
    three business days of receipt of a request, by first-class mail or other means designed to ensure equally prompt delivery. The Fund Administration
    Department is responsible for preparing appropriate disclosure regarding proxy voting for inclusion in shareholder reports and distributing
    reports. The Legal Department supporting the Trusts is responsible for reviewing such disclosure once it is prepared by the Fund Administration
    Department.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Filing of Proxy Voting Record on Form N-PX</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Trusts will annually file their complete proxy
    voting record with the SEC on Form N-PX. The Form N-PX shall be filed for the twelve months ended June 30 no later than August 31 of that
    year. The Fund Administration department, supported by the Legal Department supporting the Trusts, is responsible for the annual filing.</P></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #BFBFBF">
    <TD STYLE="padding: 3pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Procedure</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Review of Sub-advisers&#8217; Proxy Voting</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Trusts have delegated proxy voting authority with
    respect to Fund portfolio securities in accordance with the Trust Policy, as set forth above.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Consistent with this delegation, each sub-adviser is
    responsible for the following:</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">1.&nbsp;&nbsp;&nbsp;Implementing
    written policies and procedures, in compliance with Rule 206(4)-6 under the Advisers Act, reasonably designed to ensure that the sub-adviser
    votes portfolio securities in the best interest of shareholders of the Trusts.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">2.&nbsp;&nbsp;&nbsp;Providing
    the Advisers with a copy and description of the Sub-adviser Proxy Policy prior to being approved by the Board as a sub-adviser, accompanied
    by a certification that represents that the Sub-adviser</P></TD></TR>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
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    <TD STYLE="padding: 3pt 5.4pt; width: 100%; border: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">Proxy Policy has been adopted in conformance
    with Rule 206(4)-6 under the Advisers Act. Thereafter, providing the Advisers with notice of any amendment or revision to that Sub-adviser
    Proxy Policy or with a description thereof. The Advisers are required to report all material changes to a Sub-adviser Proxy Policy quarterly
    to the Board. The CCO&#8217;s annual written compliance report to the Board will contain a summary of the material changes to each Sub-adviser
    Proxy Policy during the period covered by the report.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">3.&nbsp;&nbsp;&nbsp;Providing
    the Adviser with a quarterly certification indicating that the sub-adviser did vote proxies of the funds and that the proxy votes were
    executed in a manner consistent with the Sub-adviser Proxy Policy. If the sub-adviser voted any proxies in a manner inconsistent with
    the Sub-adviser Proxy Policy, the sub-adviser will provide the Adviser with a report detailing the exceptions.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Adviser Responsibilities</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Trusts have retained a proxy voting service to
    coordinate, collect, and maintain all proxy-related information, and to prepare and file the Trust&#8217;s reports on Form N-PX with the
    SEC.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The Advisers, in accordance with their general oversight responsibilities,
    will periodically review the voting records maintained by the proxy voting service in accordance with the following procedures:<BR>
    <BR>
    </P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">1.&nbsp;&nbsp;&nbsp;Receive
    a file with the proxy voting information directly from each sub-adviser on a quarterly basis.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">2.&nbsp;&nbsp;&nbsp;Select
    a sample of proxy votes from the files submitted by the sub-advisers and compare them against the proxy voting service files for accuracy
    of the votes.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">3.&nbsp;&nbsp;&nbsp;Deliver
    instructions to shareholders on how to access proxy voting information via the Trust&#8217;s semi-annual and annual shareholder reports.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The Fund Administration Department, in conjunction with the Legal Department
    supporting the Trusts, is responsible for the foregoing procedures.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Proxy Voting Service Responsibilities</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Proxy voting services retained by the Trusts are required to undertake the
    following procedures:</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">&bull;&#9;<B>&nbsp;&nbsp;Aggregation
    of Votes:</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The proxy voting service&#8217;s proxy disclosure system
    will collect fund-specific and/or account-level voting records, including votes cast by multiple sub-advisers or third-party voting services.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">&bull;&#9;&nbsp;&nbsp;<B>Reporting:</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The proxy voting service&#8217;s proxy disclosure system
    will provide the following reporting features:</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">1.&nbsp;&nbsp;multiple
    report export options;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">2.&nbsp;&nbsp;report
    customization by fund-account, portfolio manager, security, etc.; and</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">3.&nbsp;&nbsp;account
    details available for vote auditing.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -18pt">&bull;&nbsp;&nbsp;&#9;<B>Form N-PX Preparation and Filing:</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Advisers will be responsible for oversight and
    completion of the filing of the Trusts&#8217; reports on Form N-PX with the SEC. The proxy voting service will prepare the EDGAR version
    of Form N-PX and will submit it to the adviser for review and approval prior to filing with the SEC. The proxy voting service will file
    Form N-PX for each twelve-month period ending on June 30. The filing must be submitted to the SEC on or before August 31 of each year.
    The Fund Administration Department, in conjunction with the Legal Department supporting the Trusts, is responsible for the foregoing procedures.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund Administration Department in conjunction with
    the CCO oversees compliance with this policy.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund Administration Department maintains operating
    procedures affecting the administration and disclosure of the Trusts&#8217; proxy voting records.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Trusts&#8217; Chief Legal Counsel is responsible
    for including in the Trusts&#8217; SAI information regarding the Advisers&#8217; and each sub-advisers proxy voting policies as required
    by applicable rules and form requirements.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The Fund Administration Department and The CCO&#8217;s Office is responsible
    for maintaining all documentation</P></TD></TR>
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    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">created in connection with this policy. Documents will be maintained for
    the period set forth in the Records Retention Schedule.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">December 10, 2019</P></TD></TR>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>Manulife Investment Management Global Proxy Voting
Policy and Procedures (External)<BR>
</B>March 2020</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>Executive Summary</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">Each investment team at Manulife Investment Management
(&#8220;Manulife IM&#8221;)<SUP>1</SUP> is responsible for investing in line with its investment philosophy and clients&#8217; objectives.
Manulife IM&#8217;s approach to proxy voting aligns with its organizational structure and encourages best practices in governance and
management of environmental and social risks and opportunities. Manulife IM has adopted and implemented proxy voting policies and procedures
to ensure that proxies are voted in the best interests of its clients for whom it has proxy voting authority.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">This Global Proxy Voting Policy and Procedures (&#8220;Policy&#8221;)
applies to each of the Manulife IM advisory affiliates listed in Appendix A. In seeking to adhere to local regulatory requirements of
the jurisdiction in which an advisory affiliate operates, additional procedures specific to that affiliate may be implemented to ensure
compliance, where applicable. The Policy is not intended to cover every possible situation that may arise in the course of business, but
rather to act as a decision-making guide. It is therefore subject to change and interpretation from time-to-time as facts and circumstances
dictate.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>Statement of Policy</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>The right to vote is a basic component of share ownership and is an important control mechanism to ensure that a company is managed
in the best interests of its shareholders. Where clients delegate proxy voting authority to Manulife IM, Manulife IM has a fiduciary duty
to exercise voting rights responsibly.<BR>
<BR>
</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Where Manulife IM is granted and accepts responsibility for voting proxies for client accounts, it will seek to ensure proxies are
received and voted in the best interests of the client with a view to maximize the economic value of their equity securities, unless it
determines that it is in the best interests of the client to refrain from voting a given proxy.<BR>
<BR>
</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>If there is any potential material proxy-related conflict of interest between Manulife IM and its clients, identification and resolution
processes are in place to provide for determination in the best interests of the client.<BR>
<BR>
</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM will disclose information about its proxy voting policies and procedures to its clients.<BR>
<BR>
</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; width: 18pt"></TD><TD STYLE="padding: 0; width: 18pt">&bull;</TD><TD STYLE="padding: 0">Manulife IM will maintain certain records relating to proxy voting.</TD></TR></TABLE>

<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>Philosophy on Sustainable Investing</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM&#8217;s commitment to sustainable investment<SUP>2</SUP> is focused on protecting and enhancing the value of our clients&#8217;
investments and, as active owners in the companies in which we invest, we believe that voting at shareholder meetings can contribute to
the long-term sustainability of our investee companies. Manulife IM will seek to exercise the rights and responsibilities associated with
equity ownership, on behalf of its clients, with a focus on maximizing long-term shareholder returns, as well as enhancing and improving
the operating strength of the companies to create sustainable value for shareholders.<BR>
<BR>
</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM invests in a wide range of securities across the globe, ranging from large multinationals to smaller early stage companies,
and from well-developed markets to emerging and frontier markets. Expectations of those companies vary by market to reflect local standards,
regulations and laws. Manulife IM believes, however, that successful companies across regions are generally better positioned over the
long-term if they have:</TD></TR></TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 36pt">Robust oversight including a strong and effective
board with independent and objective leaders working on behalf of shareholders;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 36pt">Mechanisms to mitigate risk such as effective internal
controls, board expertise covering a firm&#8217;s unique risk profile, and routine use of KPIs to measure and assess long-term risks;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 36pt">A management team aligned with shareholders through
remuneration structures that incentivize long-term performance through the judicious and sustainable stewardship of company resources;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 36pt">Transparent and thorough reporting of the components
of the business that are most significant to shareholders and stakeholders with focus on the firm&#8217;s long-term success and,</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 36pt">Management focused on all forms of capital including
environmental, social and human capital.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>The Manulife Investment Management Voting Principles (&#8220;Voting Principles&#8221;) outlined in Appendix B provide guidance for
our voting decisions. An active decision to invest in a firm reflects a positive conviction in the investee company and we generally expect
to be supportive of management for that reason. Manulife IM may seek to challenge management&#8217;s recommendations, however, if they
contravene these Voting Principles or Manulife IM otherwise determines that doing so is in the best interest of its clients.<BR>
<BR>
</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM also regularly engages with boards and management on environmental, social or corporate governance issues consistent with
the principles stipulated in our Sustainable Investing Statement and our ESG Engagement Policy. Manulife IM may, through these engagements, request
certain changes of the portfolio company to mitigate risks or maximize opportunities. In the context of preparing for a shareholder meeting,
Manulife IM will review progress on requested changes for those companies engaged. In an instance where Manulife IM determines that the
issuer has not made sufficient improvements on an issue, then we may take voting action to demonstrate our concerns.<BR>
<BR>
</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>In rare circumstances Manulife IM may consider filing, or co-filing, a shareholder resolution at an investee company. This may occur
where our team has engaged with management regarding a material sustainability risk or opportunity, and where we determine that the company
has not made satisfactory progress on the matter within a reasonable time period. Any such decision will be in the sole discretion of
Manulife IM and acted on where we believe filing, or co-filing, a proposal is in the best interests of our clients.<BR>
<BR>
</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM may also divest of holdings in a company where Portfolio Managers are dissatisfied with company financial performance,
strategic direction and/or management of material sustainability risks or opportunities.</TD></TR></TABLE>

<P STYLE="margin: 0 0 0 18pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 18pt"><B>Procedures</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><I>Receipt of Ballots and Proxy Materials</I></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Proxies received are reconciled against the client&#8217;s holdings, and the custodian bank will be notified if proxies have not been
forwarded to the proxy service provider when due.
</TD></TR></TABLE>
<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Voting Proxies</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM has adopted the Voting Principles contained in Appendix B of this Policy.

</TD></TR></TABLE>




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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM has deployed the services of a proxy voting services provider to ensure the timely casting of votes, and to provide relevant
and timely proxy voting research to inform our voting decisions. Manulife IM periodically reviews the detailed policies created by the
proxy voting service provider to ensure consistency with our Voting Principles, to the extent this is possible.</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Portfolio managers actively review voting options and make voting decisions for their holdings. Where Manulife IM holds a significant
ownership position in an issuer, the rationale for a portfolio manager&#8217;s voting decision is specifically recorded, including whether
the vote cast aligns with the recommendations of the proxy voting services provider or has been voted differently. A significant ownership
position in an investment is defined as those cases where Manulife IM holds at least 2% of a company&#8217;s issued share capital in aggregate
across all Manulife IM client accounts.</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>

<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>The Manulife IM ESG Research and Integration Team (&#8220;ESG Team&#8221;) is an important resource for portfolio management teams
on proxy matters. This team provides advice on specific proxy votes for individual issuers if needed. ESG Team advice is supplemental
to the research and recommendations provided by our proxy voting services provider. In particular, ESG analysts actively review voting
resolutions for companies in which:
</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
          </TABLE>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 36pt">Manulife IM&#8217;s aggregated holdings across
all client accounts represent 2% or greater of issued capital;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 36pt">A meeting agenda includes shareholder resolutions
related to environmental and social risk management issues, or where the subject of a shareholder resolution is deemed to be material
to our investment decision; or</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 36pt">The issuer has been engaged by Manulife IM within
the past two years seeking a change in behavior</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">After review, the ESG Team may provide research and
advice to investment staff in line with the Voting Principles.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM also has an internal Proxy Voting Working Group (&#8220;Working Group&#8221;) comprising senior managers from across Manulife
IM including the equity investment team, Legal, Compliance, and the ESG Team. The Working Group operates under the auspices of the Manulife
IM Public Markets Sustainable Investing Committee. The Working Group regularly meets to review and discuss voting decisions on shareholder
proposals or instances where a portfolio manager recommends a vote different than the recommendation of the proxy voting services provider.<BR>
<BR>
</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM clients retain the authority, and may choose, to lend shareholdings. Manulife IM, however, generally retains the ability
to recall shares in order to execute proxy votes. Manulife IM will, where feasible, weigh the benefit of casting votes at a given meeting
when deciding whether to recall lent shares for voting.<BR>
<BR>
</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM may refrain from voting a proxy where we have agreed with a client in advance to limit the situations in which we will
execute votes. Manulife may also refrain from voting due to logistical considerations that may have a detrimental effect on our ability
to vote. These issues may include, but are not limited to:</TD></TR></TABLE>

<P STYLE="margin: 0 0 0 36pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 54pt">&nbsp;</TD>
    <TD STYLE="width: 18pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">o</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Costs associated with voting the proxy exceed the expected benefits to clients; </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">o</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Underlying securities have been lent out pursuant to a client&rsquo;s securities lending program and have not been subject to recall; </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">o</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Short notice of a shareholder meeting; </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">o</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Requirements to vote proxies in person; </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">o</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Restrictions on a non-national&rsquo;s ability to exercise votes, determined by local market regulation; </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">o</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Restrictions on the sale of securities in proximity to the shareholder meeting (i.e. &ldquo;share blocking&rdquo;); </FONT></TD></TR>
</TABLE>





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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 54pt">&nbsp;</TD>
    <TD STYLE="width: 18pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">o</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Requirements to disclose commercially sensitive information that may be made public (i.e. &ldquo;re-registration&rdquo;); </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">o</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Requirements to provide local agents with power of attorney to facilitate the voting instructions (such proxies are voted on a best-efforts basis); or </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">o</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Inability of a client&rsquo;s custodian to forward and process proxies electronically.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>If a Manulife IM portfolio manager believes it is in the best interest of a client to vote proxies in a manner inconsistent with the
Policy, the portfolio manager will submit new voting instructions to a member of the ESG Team with rationale for the new instructions.
The ESG Team will then support the portfolio manager in developing voting decision rationale that aligns with this Policy and the Voting Principles.
The ESG Team will then submit the vote change to the Working Group. The Working Group will review the change
and ensure that the rationale is sound and the decision will promote the long-term success of the issuer.<BR>
<BR>
</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>On occasion, there may be proxy votes which are not within the research and recommendation coverage universe of the proxy voting service
provider. Portfolio managers responsible for the proxy votes will provide voting recommendations to the ESG Team and those items may be
escalated to the Proxy Voting Working Group for review to ensure that the voting decision rationale is sound and the decision will promote
the long-term success of the issuer. the Manulife IM Proxy Operations Team will be notified of the voting decisions and execute the votes
accordingly.<BR>
<BR>
</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM does not engage in the practice of &#8220;empty voting&#8221; (a term embracing a variety of factual circumstances that
result in a partial, or total, separation of the right to vote at a shareholders meeting from beneficial ownership of the shares on the
meeting date). Manulife IM prohibits investment managers from creating large hedge positions solely to gain the vote while avoiding economic
exposure to the market. Manulife IM will not knowingly vote borrowed shares (for example, shares borrowed for short sales and hedging
transactions).</TD></TR></TABLE>

<P STYLE="margin: 0 0 0 18pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="margin: 0 0 0 18pt; font: 10pt Arial, Helvetica, Sans-Serif"><I>Engagement of the Proxy Voting Service Provider</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM has contracted with a third-party proxy service provider to assist with the proxy voting process. Except in instances
where a client retains voting authority, Manulife IM will instruct custodians of client accounts to forward all proxy statements and materials
received in respect of client accounts to the proxy service provider.</TD></TR></TABLE>

<P STYLE="margin: 0 0 0 18pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="margin: 0 0 0 18pt; font: 10pt Arial, Helvetica, Sans-Serif">Manulife IM has engaged its proxy voting service
provider to:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">o</TD><TD>Research and make voting recommendations;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">o</TD><TD>Ensure proxies are voted and submitted in a timely manner;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">o</TD><TD>Perform other administrative functions of proxy voting;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">o</TD><TD>Maintain records of proxy statements and provide copies of such proxy statements promptly upon request;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">o</TD><TD>Maintain records of votes cast; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">o</TD><TD>Provide recommendations with respect to proxy voting matters in general.</TD></TR></TABLE>




<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Scope of Proxy Voting Authority</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM and our clients shape the proxy voting relationship by agreement provided there is full and fair disclosure and informed
consent. Manulife IM may agree with clients to other proxy voting arrangements in which Manulife IM does not assume proxy voting responsibility
or will only vote in limited circumstances.<SUP>3</SUP>
</TD></TR></TABLE>
<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>While the application of our fiduciary duty in the context of proxy voting will vary with the scope of the voting authority we assume,
we acknowledge the relationship in all cases remains that of a fiduciary to the client. Beyond the general discretion retained by Manulife
IM to withhold from voting as outlined above,</TD></TR></TABLE>
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    <!-- Field: /Page -->



<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&nbsp;</TD><TD> Manulife IM may enter a specific agreement with a client not to exercise voting authority
on certain matters where the cost of voting would be high or the benefit to the client would be low.</TD></TR></TABLE>

<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif"><I>Disclosure of Proxy Votes</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM may inform company management of our voting intentions ahead of casting the vote. This is in line with Manulife IM&#8217;s
objective to provide the opportunity for companies to better understand our investment process, policies and objectives.<BR>
<BR>
</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>We will not intentionally disclose to anyone else, including other investors, our voting intention prior to casting the vote.<BR>
<BR>
</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM keeps records of proxy voting available for inspection by clients, regulatory authorities or government agencies.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="padding-top: 12pt; width: 18pt"></TD><TD STYLE="padding-top: 12pt; width: 18pt">&bull;</TD><TD STYLE="padding-top: 12pt">Manulife IM will annually disclose voting records aggregated across funds.</TD></TR></TABLE>

<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>Conflicts of Interest</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">Manulife IM has an established infrastructure designed
to identify conflicts of interest throughout all aspects of the business. Proxy voting proposals may raise conflicts between the interests
of Manulife IM&#8217;s clients and the interests of Manulife IM, its affiliates, or employees. Apparent conflicts are reviewed by the
Working Group to determine whether there is a conflict of interest and, if so, whether the conflict is material. Manulife IM shall consider
any of the following circumstances a potential material conflict of interest:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM has a business relationship or potential relationship with the issuer;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM has a business relationship with the proponent of the proxy proposal; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM members, employees or consultants have a personal or other business relationship with managers of the business such as
top-level executives, corporate directors or director candidates.</TD></TR></TABLE>

<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">In addressing any such potential material conflict
Manulife IM will seek to ensure proxy votes are cast in the advisory client&#8217;s best interests and are not affected by Manulife IM&#8217;s
potential conflict. In the event a potential material conflict of interest exists, the Proxy Voting Working Group or its designee will
either (i) review the proxy voting decisions to ensure robust rationale, that the voting decision will protect or enhance shareholder
value over the long-term, and is in line with the best interest of the client; (ii) vote such proxy according to the specific recommendation
of the proxy voting services provider; (iii) abstain; or (iv) request the client vote such proxy. The basis for the voting decision, including
the process for the determination of the decision that is in the best interests of the client, is recorded.</P>

<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif"><I>Voting Shares of Manulife Financial Corporation</I></P>

<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Manulife Financial Corporation (&#8220;MFC&#8221;) is the publicly
listed parent company of Manulife IM. Generally, legislation restricts the ability of a public company (and its subsidiaries) to hold
shares in itself within its own accounts. Accordingly, the MFC Share Investment Policy outlines the limited circumstances in which MFC
or its subsidiaries may, or may not, invest or hold shares in MFC on behalf of MFC or its subsidiaries.<SUP>4</SUP></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The MFC Share Investment Policy does not apply to
investments made on behalf of unaffiliated third parties, which remain assets of the client.<SUP>5</SUP> Such investing may be restricted,
however, by specific client guidelines, other Manulife policies or other applicable laws.</P>

<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Where Manulife IM is charged with voting MFC shares
we will execute votes in proportion with all other shareholders (i.e. proportional or &#8216;echo&#8217; vote). This is intended to neutralize
the effect of our vote on the meeting outcome.</P>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>Policy Responsibility and Oversight</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>The Working Group oversees and monitors the Policy and Manulife IM&#8217;s proxy voting function. The Working Group is responsible
for reviewing regular reports, potential conflicts of interest, vote changes and non-routine proxy voting items. The Working Group also
oversees the third-party proxy voting service provider. The Working Group will meet at least monthly and report to the Public Markets
Sustainable Investing Committee and, where requested, the Manulife IM Operating Committee.<BR>
<BR>
</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM&#8217;s Proxy Operations Team is responsible for the daily administration of the proxy voting process for all Manulife
IM operations that have contracted with a third-party proxy voting services provider. Significant proxy voting issues identified by Manulife
IM&#8217;s Proxy Operations Team are escalated to the Chief Compliance Officer or its designee and the Working Group.<BR>
<BR>
</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>The Working Group is responsible for the proper oversight of any service providers hired by Manulife IM to assist it in the proxy
voting process. This oversight includes:</TD></TR></TABLE>

<P STYLE="margin: 0 0 0 36pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="margin-top: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 36pt"><B>Annual Due Diligence:</B> Manulife IM conducts
an annual due diligence review of the proxy voting research service provider. This oversight includes an evaluation of the service provider&#8217;s
industry reputation, points of risk, compliance with laws and regulations and technology infrastructure. Manulife IM also reviews the
provider&#8217;s capabilities to meet Manulife IM&#8217;s requirements including reporting competencies; the adequacy and quality of the
proxy advisory firm&#8217;s staffing and personnel; the quality and accuracy of sources of data and information; the strength of policies
and procedures that enable it to make proxy voting recommendations based on current and accurate information; and the strength of policies
and procedures to address conflicts of interest of the service provider related to its voting recommendations.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 36pt"><B>Regular Updates:</B> Manulife also requests
that the proxy voting research service provider deliver updates regarding any business changes that alter that firm&#8217;s ability to
provide independent proxy voting advice and services aligned with our policies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 36pt"><B>Additional Oversight in Process</B>: Manulife
IM has additional control mechanisms built into the proxy voting process to act as checks on the service provider and ensure that decisions
are made in the best interest of our clients. These mechanisms include:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 36pt"><B>Sampling pre-populated votes</B>: Where we utilize
a third-party research provider for either voting recommendations or voting execution (or both), we may assess &#8220;pre-populated&#8221;
votes shown on the vendor&#8217;s electronic voting platform before such votes are cast to ensure alignment with the Voting Principles.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 36pt"><B>Consideration of additional information:</B>
Where Manulife IM utilizes a proxy service provider for voting recommendations, we consider additional information that may become available
regarding voting items. This additional information may include filings by an issuer or shareholder proponent that are issued subsequent
to the filing of meeting materials.</P>

<P STYLE="margin: 0 0 0 36pt; font: 10pt Arial, Helvetica, Sans-Serif"><B>Decision scrutiny from the Working Group:</B>
Where our voting policies and procedures do not address how to vote on a particular matter, or where the matter is highly contested or
controversial (e.g. major acquisitions involving takeovers or contested director elections where a shareholder has proposed its own slate
of directors), review by the Working Group may be necessary or appropriate to ensure votes cast on behalf of its client are cast in the
client&#8217;s best interest.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>Record-Keeping and Reporting</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM provides clients with a copy of the Voting Policy upon request and it is also available on our website at www.manulifeim.com/institutional.
Manulife IM describes its proxy voting procedures to its clients in the relevant or required disclosure document and discloses to its
clients the process to obtain information on how Manulife IM voted that client&#8217;s proxies.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM keeps records of proxy voting activities and those records include proxy voting policies and procedures, records of votes
cast on behalf of clients, records of client requests for proxy voting information; and any documents generated in making a vote decision.
These documents are available for inspection by clients, regulatory authorities or government agencies.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife IM will disclose voting records on its website and those records will be updated on an annual basis. The voting records will
generally reflect the voting decisions made for retail, institutional and other client funds in the aggregate.</TD></TR></TABLE>

<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>Policy Amendments and Exceptions</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>This policy is subject to periodic review by the Proxy Voting Working Group. The Working Group may suggest amendments to this Policy
and any such amendments must be approved by the Manulife IM Public Markets Sustainable Investing Committee and the Manulife IM Operating
Committee.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Any deviation from this Policy will only be permitted with the prior approval of the Chief Investment Officer or Chief Administrative
Officer (or their designee), with the counsel of the Chief Compliance Officer / General Counsel.</TD></TR></TABLE>

<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>APPENDIX A</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>MANULIFE IM ADVISORY AFFILIATES IN SCOPE OF POLICY</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">+Investment management business only.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">Manulife Investment Management Limited</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">Manulife Investment Management (North America) Limited</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">Manulife Investment Management (Hong Kong) Limited</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">PT Manulife Aset Manajemen Indonesia*</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">Manulife Investment Management (Japan) Limited</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">Manulife Investment Management (Malaysia) Bhd.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">Manulife Investment Management and Trust Corporation</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">Manulife Investment Management (Singapore) Pte. Ltd.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">Manulife IM (Switzerland) LLC</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">Manulife Investment Management (Taiwan) Co., Ltd.*</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">Manulife Investment Management (Europe) Limited</P>

<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif">Manulife Investment Management (US) LLC</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">Manulife Investment Fund Management (Vietnam) Company
Limited*</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">*By reason of certain local regulations and laws with
respect to voting, e.g.: manual/physical voting processes or the absence of a third-party proxy voting service provider for those jurisdictions,
Manulife Investment Fund Management (Vietnam) Company Limited, and PT Manulife Aset Manajemen Indonesia do not engage a third-party service
provider to assist in their proxy voting processes. Manulife Investment Management (Taiwan) Co., Ltd. Uses the third-party proxy voting
service provider to execute votes for non-Taiwanese entities only.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>APPENDIX B</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>MANULIFE IM VOTING PRINCIPLES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">Manulife Investment Management (&#8220;Manulife IM&#8221;)
believes that strong management of all forms of corporate capital, whether financial, social or environmental will mitigate risks, create
opportunities and drive value over the long-term. Manulife IM reviews and considers environmental, social and corporate governance risks
and opportunities in our investment decisions. Once invested, Manulife IM continues its oversight through active ownership which includes
portfolio company engagement and proxy voting of underlying shares. We believe proxy voting is a vital component of this continued oversight
as it provides a voice for minority shareholders regarding management actions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0">Manulife IM has developed some key principles that
drive our proxy voting decisions and engagements. We believe these principles preserve value and generally lead to outcomes that drive
positive firm performance. These principles dictate our voting on issues ranging from director elections and executive compensation to
the preservation of shareholder rights and stewardship of environmental and social capital. The facts and circumstances of each issuer
are unique, and Manulife IM may deviate from these principles where we believe doing so will preserve or create value over the long-term.
These principles also do not address the specific content of all proposals voted around the globe, but provide a general lens of value
preservation, value creation, risk management and protection of shareholder rights through which Manulife IM analyzes all voting matters.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>I. Boards and Directors:</B> Manulife IM uses the
following principles to review proposals covering director elections and board structure in the belief that they encourage engaged and
accountable leadership of a firm.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>a. Board Independence:</B> The most effective boards
are composed of directors with a diverse skill set that can provide an objective view of the business, oversee management, and make decisions
in the best interest of the shareholder body at large. To create and preserve this voice, boards should have a significant number of non-executive,
independent directors. The actual number of independent directors can vary by market and Manulife IM accounts for these differences when
reviewing the independence of the board. Ideally, however, there is an independent majority among directors at a given firm.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>b. Committee Independence:</B> Manulife IM also
prefers that key board committees are composed of independent directors. Specifically, the audit, nomination and compensation committees
should be entirely or majority composed of independent directors.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>c. Attendance:</B> A core part of a director&#8217;s
duties is to remain an engaged and productive participant at board and committee meetings. Directors should, therefore, attend at least
75% of board and committee meetings in the aggregate over the course of a calendar year.</P>

<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif"><B>d. Gender Diversity:</B> In line with the principles
expressed in relation to &#8216;Board Independence&#8217; above, Manulife IM believes boards with strong gender representation are better
equipped to manage risks and oversee business resilience over the long-term compared to firms with low gender balance. Manulife IM generally
expects boards to have at least one woman on the board and encourages companies to aspire to a higher balance of gender representation.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>e. Classified/Staggered Boards:</B> Manulife IM
prefers that directors be subject to election and re-election on an annual basis. Annual elections operate to hold directors accountable
for their actions in a given year in a timely manner. Shareholders should have the ability to voice concerns through a director vote and
to potentially remove problematic directors if necessary. Manulife IM generally opposes the creation of classified or staggered director
election cycles designed to extend director terms beyond one year. Manulife IM also supports proposals to eliminate these structures.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>f. Overboarding:</B> Manulife IM believes directors
should limit their outside board seats in order to ensure that they have the time and attention to provide their director role at a firm
in question. Generally, this means directors should not sit on more than <SUP>5</SUP> public company boards. The role of CEO requires
an individual&#8217;s significant time and attention. Directors holding the role of CEO at any public firm, therefore, should not sit
on more than <SUP>3</SUP> public company boards inclusive of the firm at which they hold the CEO role.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>g. Independent Chair/CEO:</B> Governance failures
can occur where a manager has firm control over a board through the combination of the Chair/CEO roles. Manulife IM generally supports
the separation of the Chair/CEO roles as a means to prevent board &#8216;capture&#8217; by management. We will evaluate proposals to separate
the Chair/CEO roles on a case-by-case basis, for example, however considering such factors as the establishment of a strong lead independent
director role or the temporary need for the combination of the CEO/Chair roles to help the firm through a leadership transition.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>h. Vote Standard:</B> Manulife IM supports a vote
standard that allows resolutions to pass, or fail, based on a majority voting standard. Manulife IM expects companies to adopt a majority
vote standard for director elections and supports the elimination of a plurality vote standard except in the case of contested elections.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>i. Contested Elections:</B> Where there is a proxy
contest or a director&#8217;s election is otherwise contested, Manulife IM evaluates the proposals on a case-by-case basis. Consideration
is given to firm performance, whether there have been significant failures of oversight, and whether the proponent for change makes a
compelling case that board turnover will drive firm value.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>j. Significant and Problematic Actions or Omissions:</B>
Manulife IM believes boards should be held accountable to shareholders in instances where there is a significant failure of oversight
that has led to a loss of firm value or otherwise curtailed shareholder rights. Manulife IM considers withholding from, or voting against,
certain directors where the board acted, or failed to act, in a way that significantly affected shareholder rights or otherwise negatively
affected firm value. Some examples of actions that might warrant a vote against directors include, but are not limited to, the following:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>i. Failure of Oversight:</B> Manulife IM may take
action against directors where there has been a significant negative event leading to a loss of shareholder value and stakeholder confidence.
A failure may manifest itself in multiple ways including adverse auditor opinions, material misstatements, failures of leadership and
governance and environmental or human rights violations.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>ii. Adoption of Anti-Takeover Mechanism:</B> Boards
should generally review takeover offers independently and objectively in consideration of the potential value created or lost for shareholders.
Manulife IM holds boards accountable when they create or prolong certain mechanisms, bylaws or article amendments that act to frustrate
genuine offers that may lead to value creation for shareholders. These can include &#8216;poison pills&#8217;; classes of shares with
differential voting rights; classified, or staggered, board structures; unilateral bylaw amendments and supermajority voting provisions.</P>

<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif"><B>iii. Problematic Executive Compensation Practices:</B>
Manulife IM encourages companies to adopt best practices for executive compensation in the markets in which they operate. Generally, this
means that pay should be aligned with performance. Manulife IM may hold directors accountable where this alignment is not robust. We may
also hold boards accountable where they have not adequately responded to shareholder votes against a previous proposal on remuneration
or have adopted problematic agreements or practices (e.g. &#8216;golden parachutes&#8217;, repricing of options).</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>iv. Bylaw/Article Adoption and Amendments:</B>
Shareholders should have the ability to vote on any change to company articles or bylaws that will materially change their rights as shareholders.
Any amendments should require only a majority of votes to pass. Manulife IM will hold directors accountable where a board has amended
or adopted bylaw and/or article provisions that significantly curtail shareholder rights.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>v. Engagement Responsiveness:</B> Manulife IM regularly
engages with issuers to discuss ESG risks and opportunities and may request changes from firms during these discussions. Manulife IM may
vote against certain directors where we have engaged with an issuer and requested certain changes but the firm has not made sufficient
progress on those matters.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>II. Environmental and Social Proposals:</B> Manulife
IM expects its portfolio companies to manage material environmental and social issues affecting its business, whether risks or opportunities,
with a view towards long-term value preservation and creation.<SUP>6</SUP> Manulife IM expects firms to identify material environmental
and social risks and opportunities specific to their business, to develop strategies to manage those matters, and to provide meaningful,
substantive reporting while demonstrating progress year-over-year against their plans. Proposals touching on management of risks and opportunities
related to environmental and social issues are often put forth as shareholder proposals but can be proposed by management as well. Manulife
IM reviews these proposals on a case-by-case basis considering, among other factors:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>a. The Magnitude of the Risk/Opportunity:</B> Manulife
IM evaluates the level of materiality of a certain environmental or social issue identified in a proposal as it pertains to the firm&#8217;s
ability to generate value over the long-term. This review includes deliberation of the effect an issue will have on the financial statements
and/or the cost of capital.</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>b. The Firm&#8217;s Current Management of the Risk/Opportunity:</B>
Manulife IM analyzes a firm&#8217;s current approach to an issue to determine whether the firm has robust plans, infrastructure and reporting
to mitigate the risk or embrace the opportunity.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>c. Firm&#8217;s Current Disclosure Framework:</B>
Manulife IM expects firms to disclose enough information for shareholders to assess the company&#8217;s management of environmental and
social risks and opportunities material to the business. Manulife IM may support proposals calling for enhanced firm disclosure regarding
environmental and social issues where additional information would help our evaluation of a company&#8217;s exposure, and response, to
those factors.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>d. Legislative or Regulatory Action of a Risk/Opportunity:</B>
When reviewing proposals on environmental or social factors, Manulife IM considers whether a given risk or opportunity is currently addressed
by local regulation or law in the markets in which a firm operates and whether those rules are designed to adequately manage an issue.
Manulife IM also considers whether a firm should proactively address a matter in anticipation of future legislation or regulation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>e. Cost to, or Disruption of, the Business:</B>
When reviewing environmental and social proposals Manulife IM assesses the potential cost of the requested action against the benefit
provided to the firm and its shareholders. Particular attention is paid to proposals that request actions that are overly prescriptive
on management or that request a firm exit markets or operations that are essential to its business.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>III. Shareholder Rights:</B> Manulife IM generally
supports management or shareholder proposals that protect, or improve, shareholder rights and opposes proposals that remove, or curtail,
existing rights.</P>

<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif"><B>a. Shareholder Rights Plans (&#8220;Poison Pills&#8221;):</B>
Manulife IM opposes mechanisms intended to frustrate genuine takeover offers. Manulife IM may, however, support shareholder rights plans
where the plan has a trigger of 20% ownership or more and will expire in three years or less. In conjunction with these requirements Manulife
IM evaluates the company&#8217;s strategic rationale for adopting the poison pill.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>b. Supermajority Voting:</B> Shareholders should
have the ability to direct change at a firm based on a majority vote. Manulife IM opposes the creation, or continuation, of any bylaw,
charter or article provisions that require approval of more than a majority of shareholders for amendment of those documents. Manulife
IM may consider supporting such a standard where the supermajority requirement is intended to protect minority shareholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>c. Proxy Access:</B> Manulife IM believes that
shareholders have a right to appoint representatives to the board that best protect their interests. The power to propose nominees without
holding a proxy contest is a way to protect that right and is potentially less costly to management and shareholders. Accordingly, Manulife
IM supports creation of a proxy access right (or similar power at non-U.S. firms) provided there are reasonable thresholds of ownership
and a reasonable number of shareholders can aggregate ownership to meet those thresholds.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>d. Written Consent:</B> Written consent provides
shareholders the power to formally demand board action outside of the context of an annual general meeting. Shareholders can use written
consent as a nimble method of holding boards accountable. Manulife IM supports the right of written consent so long as that right is reasonably
tailored to reflect the will of a majority of shareholders. Manulife IM may not support such a right, however, where there is a holder
with a significant, or controlling, stake. Manulife IM evaluates the substance of any written actual consent proposal in-line with these
principles.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>e. Right to Call a Special Meeting:</B> Manulife
IM is supportive of the shareholder right to call a special meeting. This right allows shareholders to quickly respond to events which
can significantly affect firm value. Manulife IM believes that a 10% ownership threshold to call a special meeting reasonably protects
this shareholder right while reducing the possibility of undue distraction for management.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>IV. Executive Compensation:</B> Manulife IM encourages
companies to align executive incentives with shareholder interests when designing executive compensation plans. Companies should provide
shareholders with transparent, comprehensive and substantive disclosure regarding executive compensation that aids shareholder assessment
of the alignment between executive pay and firm performance. Companies should also have the flexibility to design remuneration programs
that fit a firm&#8217;s business model, business sector and industry and overall corporate strategy. No one template of executive remuneration
can fit all companies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>a. Advisory Votes on Executive Compensation:</B>
While acknowledging that there is no singular model for executive compensation, Manulife IM scrutinizes companies closely that have certain
practices. Some concerning practices can include:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>i. Misalignment Between Pay and Company Performance:</B>
Pay should generally move in tandem with corporate performance. Firms where CEO pay remains flat, or increases, though corporate performance
remains down relative to peers are particularly concerning.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>ii. One-Time Grants:</B> A firm&#8217;s one-time
grant to an executive, outside of the normal salary, bonus and long-term award structure, may be indicative of an overall failure of the
board to design an effective remuneration plan. A company should have a robust justification for making grants outside of the normal remuneration
framework.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>iii. Significant Quantity of Non-Performance Based
Pay:</B> Executive pay should generally be weighted more heavily towards performance-based remuneration to create the alignment between
pay and performance. Companies should provide a robust explanation for any significant awards made that vest solely based on time or are
not otherwise tied to performance.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>iv. Lack of Rigor in Performance Targets:</B> Performance
targets should challenge managers to improve corporate performance and outperform peers. Targets should, where applicable, generally align
with, or even outpace, guidance; incentivize outperformance against a peer group; and otherwise remain challenging.</P>

<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif"><B>v. Lack of Disclosure:</B> Transparency is essential
to shareholder analysis and understanding of executive remuneration at a company. Manulife IM expects firms to clearly disclose all major
components of remuneration. This includes disclosure of amounts, performance metrics and targets, vesting terms, and pay outcomes.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>vi. Repricing of Options:</B> Resetting the exercise
price of outstanding options significantly undermines the incentive nature of the initial option grant. Though a firm may have a strong
justification for repricing options, Manulife IM believes that firms should put such decisions to a shareholder vote. Manulife IM may
oppose an advisory vote on executive compensation where a company has repriced outstanding options for executives without that shareholder
approval.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>vii. Adoption of Problematic Severance Agreements
(&#8220;Golden Parachutes&#8221;):</B> Manulife IM believes managers should be incentivized to pursue and complete transactions that may
benefit shareholders. Severance agreements, if structured appropriately, can provide such inducements. At the same time, however, the
significant payment associated with severance agreements could potentially drive managers to pursue transactions at the expense of shareholder
value. Manulife IM may oppose an executive remuneration proposal where a firm has adopted, or amended, an agreement with an executive
that contains an excise tax gross-up provision, permits accelerated vesting of equity upon a change-in-control, allows an executive to
unilaterally trigger the severance payment, or pays out in an amount greater than 300% of salary and bonus combined.</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>V. Capital Structure:</B> Manulife IM believes
firms should balance the need to raise capital and encourage investment with the rights and interests of the existing shareholder body.
Evaluation of proposals to issue shares, repurchase shares, conduct stock splits or otherwise restructure capital are evaluated on a case-by-case
basis with some specific requests covered here:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>a. Common Stock Authorization:</B> Requests to
increase the pool of shares authorized for issuance are evaluated on a case-by-case basis with consideration given to the size of the
current pool, recent use of authorized shares by management, and the company rationale for the proposed increase. Manulife IM also supports
these increases where the company intends to execute a split of shares or pay a stock dividend.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>b. Reverse Stock Splits:</B> Manulife IM generally
supports proposals for a reverse stock split if the company plans to proportionately reduce the number of shares authorized for issue
in order to mitigate against the risk of excessive dilution to our holdings. We may also support these proposals in instances where the
firm needs to quickly raise capital in order to continue operations.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>c. Dual Class Voting Structure:</B> Voting power
should align with economic interest at a given firm. Manulife IM opposes the creation of new classes of stock with differential voting
rights and supports the elimination of these structures.</P>

<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif"><B>VI. Corporate Transactions and Restructurings:</B>
Manulife IM reviews mergers, acquisitions, restructurings and reincorporations on a case-by-case basis through the lens of whether the
transaction will create shareholder value. Considerations include fairness of the terms, valuation
of the event, changes to management and leadership, realization of synergies and efficiencies and whether the rationale for a strategic
shift is compelling.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>VII. Audit-related Issues:</B> Manulife IM believes
that an effective auditor will remain independent and objective in their review of company reporting. Firms should be transparent regarding
auditor fees and other services provided by an auditor which may create a conflict of interest. Manulife IM uses the below principles
to guide voting decisions related to auditors.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>a. Auditor Ratification:</B> Manulife IM generally
approves the reappointment of the auditor absent evidence that they have either failed in their duties or appear to have a conflict that
may not allow independent and objective oversite of a firm.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-left: 0"><B>b. Auditor Rotation:</B> If Manulife IM believes
that the independence and objectivity of an auditor may be impaired at a firm, we may support a proposal requesting a rotation of auditor.
Reasons to support the rotation of the auditor can include a significant failure in the audit function and excessive tenure of the auditor
at the firm.</P>



<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif"><SUP>1</SUP> Manulife Investment Management is the
unified global brand for Manulife&#8217;s Global Wealth and Asset Management (GWAM) business which serves individual investors and institutional
clients in three businesses: Retirement, Retail and Institutional Asset</P>
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<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif">Management (Public Markets and Private Markets).<BR>
<SUP>2 </SUP>Further information on Sustainable Investing at Manulife IM can be found at manulifeim.com/institutional.<BR>
<SUP>3 </SUP>We acknowledge SEC guidance on this issue from August 2019 which lists several non-exhaustive examples of possible voting
arrangements between the client and investment advisor including: (i) an agreement with the client to exercise voting authority pursuant
to specific parameters designed to serve the client&#8217;s best interest; (ii) an agreement with the client to vote in favor of all proposals
made by particular shareholder proponents; or (iii) an agreement with the client to vote in accordance with the voting recommendations
of management of the issuer. All such arrangements could be subject to conditions depending on instruction from the client.<BR>
<SUP>4</SUP> This includes general funds, affiliated segregated funds or separate accounts, and affiliated mutual / pooled funds.<BR>
<SUP>5</SUP> This includes assets managed or advised for unaffiliated third parties, such as unaffiliated mutual/pooled funds and unaffiliated
institutional advisory portfolios.<BR>
<SUP>6</SUP> For more information on issues generally of interest to our firm please see the Manulife Investment Management Engagement
Policy and the Manulife Investment Management Sustainable Investing Policy.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>JOHN HANCOCK FINANCIAL OPPORTUNITIES FUND</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>PART C</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>OTHER INFORMATION</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Item 25. Financial Statements and Exhibits</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(1)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">FINANCIAL
                                            STATEMENTS:</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-align: justify">Included in Part A: Financial Highlights</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-align: justify">Included in Part B: <A HREF="https://www.sec.gov/Archives/edgar/data/0000925683/000168386321000814/f7997d1.htm">Financial
Statements are incorporated in Part B by reference to the Fund&#8217;s December 31, 2020 annual shareholder report (audited) on Form
N-CSR as filed with the Securities and Exchange Commission (&#8220;SEC&#8221;) on February 19, 2021 (Accession No&nbsp;0001683863-21-000814).</A></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(2)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">EXHIBITS:</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(a)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Amended
                                            and Restated Agreement and Declaration of Trust dated January 22, 2016 &#8211; FILED
                                            HEREWITH</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">(1) Amendment dated December 13, 2018 to
the Amended and Restated Agreement and Declaration of Trust dated January 22, 2016 - FILED
HEREWITH</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(b)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Amended
                                            and Restated By-laws dated September 27, 2013 (&#8220;By-Laws&#8221;) &#8211;
                                            FILED HEREWITH </TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-align: justify; text-indent: -18pt">(1) Amendment dated March
10, 2016 to the Amended and Restated By-Laws dated September 27, 2013 &#8211; FILED
HEREWITH</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(c)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><I>Voting
                                            Trust Agreements. </I>Not applicable.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt"><I>&nbsp;</I></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(d)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><I>Instruments
                                            Defining Rights of Security Holders.</I> See exhibits (2)(a) and (2)(b), above.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(e)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><I>Dividend
                                            Reinvestment Plan</I>. Dividend Reinvestment Plan dated June 25, 2021 &#8211; FILED
                                            HEREWITH </TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(f)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><I>Instruments
                                            Defining Rights of Long-term Debt Holders.</I> Not applicable.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(g)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><I>Investment
                                            Advisory Contracts.</I></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(1)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Amended
                                            and Restated Investment Advisory Agreement dated June 30, 2020 between the Fund and John
                                            Hancock Investment Management LLC<SUP>1</SUP> (the &#8220;Advisor&#8221;) &#8211; FILED HEREWITH</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(2)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Sub-Advisory
                                            Agreement dated December 31, 2005 with the Advisor and Manulife Investment Management (US)
                                            LLC<SUP>2</SUP> &#8211; FILED HEREWITH </TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(3)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Sub-Advisory
                                            Agreement Amendment Dated January 18, 2013 FILED HEREWITH </TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(h)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><I>Underwriting
                                            or Distribution Contracts.</I></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(1)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Form
                                            of Distribution Agreement between John Hancock Investment Management Distributors LLC<SUP>3
                                            </SUP>(the &#8220;Distributor&#8221;), and the Fund &#8211; FILED HEREWITH<B>. </B></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(2)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Form
                                            of Dealer Agreement between the Distributor and the Dealer &#8211; FILED HEREWITH<B>. </B></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(i)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><I>Bonus
                                            or Profit Sharing Contracts.</I> Not applicable.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(j)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><I>Custodian
                                            Agreement. </I>Master Custodian Agreement dated September 10, 2008 between the Fund and State
                                            Street Bank and Trust Company &#8211; FILED HEREWITH </TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 6pt; width: 100%"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: justify">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 54pt; text-align: right"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(1)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&#8239;Amendment
                                            dated October 1, 2015 to the Master Custodian Agreement dated September 10, 2008 between
                                            the Fund and State Street Bank and Trust Company &#8211; FILED
                                            HEREWITH</TD>
</TR></TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt">(k)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><I>Other
                                            Material Contracts.</I></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 54pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(1)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Administration
                                            Agreement Dated August 15, 1994 &#8211; FILED HEREWITH </TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 90pt; text-align: justify"><BR>
(a)&nbsp;Amendment dated September 11, 2012 to the Administration Agreement &#8211; FILED HEREWITH</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 90pt; text-align: justify"><BR>
(b)&nbsp;Form of Expense Limitation Agreement between the Advisor and the Fund with respect to the Administration Agreement - FILED HEREWITH</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 54pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(2)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Service
                                            Agreement dated June 30, 2020 among the Fund, the Advisor, and the Fund&#8217;s Chief Compliance
                                            Officer &#8211; &#9;FILED HEREWITH </TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 54pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(3)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Service
                                            Agreement for Transfer Agent Services dated June 1, 2002 with Computershare Inc<SUP>4</SUP>
                                            &#8211; FILED HEREWITH</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 54pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(a)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Amendment
                                            dated July 1, 2007 to the Service Agreement for Transfer Agent Services &#8211; FILED HEREWITH<BR>
                                            <BR>
                                            </TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 54pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(b)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Amendment
                                            dated September 25, 2007 to the Service Agreement for Transfer Agent Services &#8211; FILED
                                            HEREWITH</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 54pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(c)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Amendment
                                            dated October 10, 2007 to the Service Agreement for Transfer Agent Services &#8211; FILED
                                            HEREWITH</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 54pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(d)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Amendment
                                            dated July 1, 2010 to the Service Agreement for Transfer Agent Services &#8211; FILED HEREWITH</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 54pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(e)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Amendment
                                            dated October 18, 2010 to the Service Agreement for Transfer Agent Services &#8211; FILED
                                            HEREWITH</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 54pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(f)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Amendment
                                            dated April 6, 2011 to the Service Agreement for Transfer Agent Services &#8211; FILED HEREWITH</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0">
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 54pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(g)</FONT></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Amendment
                                            dated March 31, 2013 to the Service Agreement for Transfer Agent Services &#8211; FILED HEREWITH</FONT></TD></TR><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>

  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(h)</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Amendment dated June 30, 2014 to the Service Agreement
    for Transfer Agent Services &#8211; FILED HEREWITH</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(i)</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Amendment dated June 30, 2016 to the Service Agreement
    for Transfer Agent Services &#8211; FILED HEREWITH</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(j)</FONT></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Amendment
                                            dated July 1, 2018 to the Service Agreement for Transfer Agent Services &#8211; FILED HEREWITH</FONT></TD></TR>
                                                                                                                                                      </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 54pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(4)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Agreement
                                            to Waive Advisory Fees and Reimburse Expenses dated June 25, 2020 &#8211; FILED HEREWITH</TD></TR><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&nbsp;</TD></TR>
                                                                                                                                              </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">(1)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><I>Legal Opinion</I> &#8211; <B>&#9;FILED
HEREWITH</B></TD></TR>
                                                                                                                                     <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&nbsp;</TD></TR>
                                                                                                                                     <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(m)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><I>Non-resident
                                            Consent to Service of Process.</I> Not applicable.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(n)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><I>Other
                                            Opinions.</I> Consent of Independent Registered Public Accounting Firm &#8211; <B>FILED HEREWITH</B>.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(o)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><I>Omitted
                                            Financial Statements.</I> Not applicable.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(p)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><I>Agreement
                                            Related to Initial Capital.</I> Not applicable.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(q)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><I>Model
                                            Retirement Plan.</I> Not applicable.</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(r)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><I>Codes
                                            of Ethics.</I></TD></TR></TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->


<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(1)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">John
                                            Hancock Code of Ethics dated January 1, 2008 (as revised September 17, 2020) for John Hancock
                                            Investment Management LLC<SUP>1</SUP> and John Hancock Variable Trust Advisers LLC (each,
                                            a &#8220;John Hancock Adviser&#8221;) and John Hancock Investment Management Distributors
                                            LLC, John Hancock Distributors, LLC, each open-end fund, closed-end fund, and exchange traded
                                            fund advised by a John Hancock Adviser (the &#8220;John Hancock Affiliated Funds&#8221;),
                                            (together, called &#8220;John Hancock&#8221;) &#8211; FILED HEREWITH</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(2)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Code
                                            of Ethics dated January 20, 2020 for Global Wealth and Asset Management and General Account
                                            Investments a division of Manulife Investment Management (US) LLC &#8211; FILED HEREWITH
                                            </TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(3)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Code
                                            of Ethics Effective December 6, 2005 Amended and Restated January 1, 2020 for the Independent
                                            Trustees of the John Hancock Funds &#8211; FILED HEREWITH</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(s)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><I>Power
                                            of Attorney</I>. Power of Attorney dated December 10, 2020 &#8211; FILED HEREWITH<BR>
                                            <BR></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">1</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Prior
                                            to June 28, 2019, John Hancock Investment Management LLC was known as John Hancock Advisers,
                                            LLC.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">2</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Prior
                                            to May 7, 2019, Manulife Investment Management (US) LLC was known as John Hancock Asset Management
                                            a division of Manulife Asset Management (US) LLC (formerly known as MFC Global Investment
                                            Management (U.S.) LLC).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">3</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Prior
                                            to June 28, 2019, John Hancock Investment Management Distributors LLC was known as John Hancock
                                            Funds, LLC (formerly known as John Hancock Broker Distribution Services, Inc.).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">4</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Computershare
                                            Inc. was previously known as Computershare Shareowner Services LLC (formerly, Mellon Investor
                                            Services, LLC).</TD></TR></TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>ITEM 26. MARKETING ARRANGEMENTS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">See Form of Distribution Agreement and Form of Dealer
Agreement &#8211; TO BE FILED BY AMENDMENT</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>ITEM 27. OTHER EXPENSES OF ISSUANCE AND DISTRIBUTION</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The approximate expenses in connection with the offering
are as follows:&#9;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; vertical-align: top; width: 67%; text-align: justify">Registration
    and Filing Fees</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; width: 33%; text-align: right">$6,190</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; vertical-align: top; text-align: justify">Financial Industry Regulatory
    Authority Fee</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: right">$9,005</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; vertical-align: top; text-align: justify">New York Stock Exchange
    Fee</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: right">$2,500</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; vertical-align: top; text-align: justify">Cost of Printing and
    Engraving</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: right">$0.00</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; vertical-align: top; text-align: justify">Accounting Fee and Expenses</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: right">$6,541</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; vertical-align: top; border-bottom: Black 1pt solid; text-align: justify">Legal
    Fees and Expenses</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border-bottom: Black 1pt solid; text-align: right">$175,000</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; vertical-align: top; text-align: justify"><B>Total </B></TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: right">$199,236</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>ITEM 28. PERSONS CONTROLLED BY OR UNDER COMMON
CONTROL </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">John Hancock Investment Management LLC (the &#8220;Advisor&#8221;)
is the investment advisor to the Fund. The Advisor is a an indirect principally owned subsidiary of John Hancock Life Insurance Company
(U.S.A.), which in turn is a subsidiary of Manulife Financial Corporation (&#8220;Manulife Financial&#8221;), a publicly traded company
based in Toronto, Canada. A corporate organization list is set forth below.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><IMG SRC="organizationalchart.jpg" ALT="">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>ITEM 29. NUMBER OF HOLDERS OF SECURITIES </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Set forth below is the number of record holders as
of June 1, 2021, of each class of securities of the Fund:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; width: 69%; text-align: justify"><B><U>Title of Class</U></B></TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; width: 31%; border-bottom: Black 1pt solid; text-align: center"><B>Number
    of Record Holders</B></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt">Shares of Common Stock, no par value</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: center">367</TD></TR>
  </TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>ITEM 30. INDEMNIFICATION </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Indemnification provisions relating to the Fund&#8217;s
Trustees, officers, employees and agents are set forth in Section&nbsp;4.3 of Article&nbsp;IV of Fund&#8217;s Declaration of Trust, as
previously filed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The form of Underwriting Agreement contains provisions
limiting the liability and providing for indemnification of the Trustees and officers under certain circumstances.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Fund&#8217;s Trustees and officers are insured
under a standard investment company errors and omissions insurance policy covering loss incurred by reason of negligent errors and omissions
committed in their official capacities as such. Insofar as indemnification for liabilities arising under the Securities Act of 1933,
as amended (the &#8220;Securities Act&#8221;), may be permitted to Trustees, officers and controlling persons of the Fund pursuant to
the provisions described in this Item&nbsp;30, or otherwise, the Fund has been advised that in the opinion of the SEC such indemnification
is against public policy as expressed in the Securities Act and is therefore unenforceable. In the event that a claim for indemnification
against such liabilities (other than the payment by the Fund of expenses incurred or paid by a Trustee, officer or controlling person
of the Fund in the successful defense of any action, suit or proceeding) is asserted by such Trustee, officer or controlling person in
connection with the securities being registered, the Fund will, unless in the opinion of its counsel the matter has been settled by controlling
precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as
expressed in the Securities Act and will be governed by the final adjudication of such issue.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Article V of the Limited Liability Company Agreement
of the Advisor provides as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18pt; text-align: justify">&#8220;Section 5.06. Indemnity and Exculpation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(a)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; padding-right: 18pt">No
                                            Indemnitee, and no shareholder, director, officer, member, manager, partner, agent, representative,
                                            employee or Affiliate of an Indemnitee, shall have any liability to the Company or to any
                                            Member for any loss suffered by the Company (or the Corporation) which arises out of any
                                            action or inaction by such Indemnitee with respect to the Company (or the Corporation) if
                                            such Indemnitee so acted or omitted to act (i) in the good faith (A) belief that such course
                                            of conduct was in, or was not opposed to, the best interests of the Company (or the Corporation),
                                            or (B) reliance on the provisions of this Agreement, and (ii) such course of conduct did
                                            not constitute gross negligence or willful misconduct of such Indemnitee.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18pt 0 36pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(b)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; padding-right: 18pt">The
                                            Company shall, to the fullest extent permitted by applicable law, indemnify each person who
                                            was or is a party or is threatened to be made a party to any threatened, pending or completed
                                            action, suit or proceeding, whether civil, criminal, administrative or investigative, by
                                            reason of the fact that he is or was, or has agreed to become, a Director or Officer, or
                                            is or was serving, or has agreed to serve, at the request of the Company (or previously at
                                            the request of the Corporation), as a director, officer, manager or trustee of, or in a similar
                                            capacity with, another corporation, partnership, limited liability company, joint venture,
                                            trust or other enterprise (including any employee benefit plan) (all such persons being referred
                                            to hereafter as an &#8220;Indemnitee&#8221;), or by reason of any action alleged to have
                                            been taken or omitted in such capacity, against all expenses (including attorneys&#8217;
                                            fees), judgments, fines and amounts paid in settlement actually and reasonably incurred by
                                            or on behalf of an Indemnitee in connection with such action, suit or proceeding and any
                                            appeal therefrom.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18pt 0 36pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(c)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; padding-right: 18pt">As
                                            a condition precedent to his right to be indemnified, the Indemnitee must notify the Company
                                            in writing as soon as practicable of any action, suit, proceeding or investigation involving
                                            him for which indemnity hereunder will or could be sought. With respect to any action, suit,
                                            proceeding or investigation of which the Company is so notified, the Company will be entitled
                                            to participate therein at its own expense and/or to assume the defense thereof at its own
                                            expense, with legal counsel reasonably acceptable to the Indemnitee.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18pt 0 36pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(d)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; padding-right: 18pt">In
                                            the event that the Company does not assume the defense of any action, suit, proceeding or
                                            investigation of which the Company receives notice under this Section 5.06, the Company shall
                                            pay in advance of the final disposition of such matter any expenses (including attorneys&#8217;
                                            fees) incurred by an Indemnitee in defending a civil or criminal action, suit, proceeding
                                            or investigation or any appeal therefrom; provided, however, that the payment of such expenses
                                            incurred by an Indemnitee in advance</TD></TR></TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18pt 0 36pt; text-align: justify">of the final disposition of such matter
shall be made only upon receipt of an undertaking by or on behalf of the Indemnitee to repay all amounts so advanced in the event that
it shall ultimately be determined that the Indemnitee is not entitled to be indemnified by the Company as authorized in this Section
5.06, which undertaking shall be accepted without reference to the financial ability of the Indemnitee to make such repayment; and further
provided that no such advancement of expenses shall be made if it is determined that (i) the Indemnitee did not act in good faith and
in a manner he reasonably believed to be in, or not opposed to, the best interests of the Company, or (ii) with respect to any criminal
action or proceeding, the Indemnitee had reasonable cause to believe his conduct was unlawful.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18pt 0 36pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(e)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; padding-right: 18pt">The
                                            Company shall not indemnify an Indemnitee seeking indemnification in connection with a proceeding
                                            (or part thereof) initiated by such Indemnitee unless the initiation thereof was approved
                                            by the Board of Directors. In addition, the Company shall not indemnify an Indemnitee to
                                            the extent such Indemnitee is reimbursed from the proceeds of insurance, and in the event
                                            the Company makes any indemnification payments to an Indemnitee and such Indemnitee is subsequently
                                            reimbursed from the proceeds of insurance, such Indemnitee shall promptly refund such indemnification
                                            payments to the Company to the extent of such insurance reimbursement.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18pt 0 36pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(f)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; padding-right: 18pt">All
                                            determinations hereunder as to the entitlement of an Indemnitee to indemnification or advancement
                                            of expenses shall be made in each instance by (a) a majority vote of the Directors consisting
                                            of persons who are not at that time parties to the action, suit or proceeding in question
                                            (&#8220;Disinterested Directors&#8221;), whether or not a quorum, (b) a majority vote of
                                            a quorum of the outstanding Common Shares, which quorum shall consist of Members who are
                                            not at that time parties to the action, suit or proceeding in question, (c) independent legal
                                            counsel (who may, to the extent permitted by law, be regular legal counsel to the Company),
                                            or (d) a court of competent jurisdiction.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18pt 0 36pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(h)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; padding-right: 18pt">The
                                            indemnification rights provided in this Section 5.06 (i) shall not be deemed exclusive of
                                            any other rights to which an Indemnitee may be entitled under any law, agreement or vote
                                            of Members or Disinterested Directors or otherwise, and (ii) shall inure to the benefit of
                                            the heirs, executors and administrators of the Indemnitees. The Company may, to the extent
                                            authorized from time to time by its Board of Directors, grant indemnification rights to other
                                            employees or agents of the Company or other persons serving the Company and such rights may
                                            be equivalent to, or greater or less than, those set forth in this Section 5.06. Any indemnification
                                            to be provided hereunder may be provided although the person to be indemnified is no longer
                                            a Director or Officer.&#8221;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>ITEM 31. BUSINESS AND OTHER CONNECTIONS OF INVESTMENT
ADVISOR </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">For information as to the business, profession, vocation
or employment of a substantial nature of each of the directors and executive officers of the Advisor and the Subadvisor, reference is
made to the information set forth under: (i) the caption &#8220;Investment Advisory and Other Services&#8221; in the Statement of Additional
Information; (ii)&nbsp;Item 6 of the Form ADV Part II
of John Hancock Investment Management LLC (File No. 801-8124) filed with the SEC; and (iii)&nbsp;Item
6 of the Form ADV Part II of Manulife Investment Management (US) LLC (File No. 801-42023) filed with the SEC, all of which are incorporated
herein by reference.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>ITEM 32. LOCATION OF ACCOUNTS AND RECORDS </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">All applicable accounts, books and documents required
to be maintained by the Fund by Section 31(a) of the Investment Company Act of 1940, as amended, and the rules promulgated thereunder
are in the possession and custody of the Fund&#8217;s custodian, State Street Bank and Trust Company, Corporate Headquarters, State Street
Financial Center, One Lincoln Street, Boston, Massachusetts 02111, and its transfer agent, Computershare, Inc., 250 Royall Street, Canton,
Massachusetts, 02021, with the exception of certain corporate documents and portfolio trading documents that are in the possession and
custody of the Advisor, 200 Berkeley Street, Boston, Massachusetts, 02116, and the Subadvisor, 101 Huntington Avenue, Boston, MA 02199-7603.
The Fund is informed that all applicable accounts, books and documents required to be maintained by registered investment advisors are
in the custody and possession of the Advisor and the Subadvisor.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>ITEM 33. MANAGEMENT SERVICES </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Not applicable.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>ITEM 34. UNDERTAKINGS </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">1.</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Not
                                            applicable.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">2.</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Not
                                            applicable.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">3.</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">The
                                            Common Shares being registered will be offered on a delayed or continuous basis in reliance
                                            on Rule 415 under the Securities Act. Accordingly, the Fund undertakes:</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">a.</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">To
                                            file, during any period in which offers or sales are being made, a post-effective amendment
                                            to the Registration Statement:</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(1)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">To
                                            include any prospectus required by Section 10(a)(3) of the Securities Act;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(2)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">To
                                            reflect in the prospectus any facts or events after the effective date of the Registration
                                            Statement (or the most recent post-effective amendment thereof) which, individually or in
                                            the aggregate, represent a fundamental change in the information set forth in the Registration
                                            Statement. Notwithstanding the foregoing, any increase or decrease in volume of securities
                                            offered (if the total dollar value of securities offered would not exceed that which was
                                            registered) and any deviation from the low or high end of the estimated maximum offering
                                            range may be reflected in the form of prospectus filed with the Commission pursuant to Rule
                                            424(b) if, in the aggregate, the changes in volume and price represent no more than 20% change
                                            in the maximum aggregate offering price set forth in the &#8220;Calculation of Registration
                                            Fee&#8221; table in the Registration Statement; and</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(3)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">To
                                            include any material information with respect to the plan of distribution not previously
                                            disclosed in the Registration Statement or any material change to such information in the
                                            Registration Statement.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -18pt"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt"><I>Provided, however</I>, that paragraphs a(1), a(2), and a(3)
of this section do not apply if the registration statement is filed pursuant to General Instruction A.2 of this Form and the information
required to be included in a post-effective amendment by those paragraphs is contained in reports filed with or furnished to the Commission
by the Registrant pursuant to Section 13 or Section 15(d) of the Exchange Act that are incorporated by reference into the registration
statement, or is contained in a form of prospectus filed pursuant to Rule 424(b) that is part of the registration statement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">b.</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">That,
                                            for the purpose of determining any liability under the Securities Act, each such post-effective
                                            amendment shall be deemed to be a new Registration Statement relating to the securities offered
                                            therein, and the offering of those securities at that time shall be deemed to be the initial
                                            <I>bona fide</I> offering thereof.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">c.</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">To
                                            remove from registration by means of a post-effective amendment any of the Common Shares
                                            being registered which remain unsold at the termination of the offering.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">d.</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">That,
                                            for the purpose of determining liability under the Securities Act to any purchaser:</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -18pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(1) if the Fund is subject to Rule 430B:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -18pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-align: justify">(A) Each prospectus filed by the Fund pursuant
to Rule 424(b)(3) shall be deemed to be part of the Registration Statement as of the date the filed prospectus was deemed part of and
included in the Registration Statement; and</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-align: justify">(B) Each prospectus required to be filed
pursuant to Rule 424(b)(2), (b)(5), or (b)(7) as part of a Registration Statement in reliance on Rule 430B relating to an offering made
pursuant to Rule 415(a)(1)(i), (x), or (xi) for the purpose of providing the information required by Section 10(a) of the Securities
Act shall be deemed to be part of and included in the Registration Statement as of the earlier of the date such form of prospectus is
first used after effectiveness or the date of the first contract of sale of securities in the offering described in the prospectus. As
provided in Rule 430B, for liability purposes of the issuer and any person that is at that date an underwriter, such date shall be deemed
to be a new effective date of the Registration Statement relating to the securities in the Registration Statement to which that prospectus
relates, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof. Provided, however,
that no statement made in a Registration Statement or prospectus that is part of the Registration Statement or made in a document incorporated
or deemed incorporated by reference into the Registration Statement or prospectus that is part of the Registration Statement will, as
to a purchaser with a time of contract of sale prior to such effective date, supersede or modify any statement that was made in the Registration
Statement or prospectus that was part of the Registration Statement or made in any such document immediately prior to such effective
date; or</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -18pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -18pt">(2) &#8239;&#8239;if the Fund is subject to
Rule 430C: Each prospectus filed pursuant to Rule 424(b) under the Securities Act as part of a Registration Statement relating to an
offering, other than registration statements relying on Rule 430B or other than prospectuses filed in reliance on Rule 430A under the
Securities Act, shall be deemed to be part of and included in the Registration Statement as of the date it is first used after effectiveness.
<I>Provided</I>, however, that no statement made in a Registration Statement or prospectus that is part of the Registration Statement
or made in a document incorporated or deemed incorporated by reference into the Registration Statement or prospectus that is part of
the Registration Statement will, as to a purchaser with a time of contract of sale prior to such first use, supersede or modify any statement
that was made in the Registration Statement or prospectus that was part of the Registration Statement or made in any such document immediately
prior to such date of first use.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">e.</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">That
                                            for the purpose of determining liability of the Fund under the Securities Act to any purchaser
                                            in the initial distribution of Common Shares:</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -18pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">The undersigned Fund undertakes that in a primary offering of
securities of the undersigned Fund pursuant to this Registration Statement, regardless of the underwriting method used to sell the securities
to the purchaser, if the securities are offered or sold to such purchaser by means of any of the following communications, the undersigned
Fund will be a seller to the purchaser and will be considered to offer or sell such securities to the purchaser:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(1)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">any
                                            preliminary prospectus or prospectus of the undersigned Fund relating to the offering required
                                            to be filed pursuant to Rule 424 under the Securities Act;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(2)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">free
                                            writing prospectus relating to the offering prepared by or on behalf of the undersigned Fund
                                            or used or referred to by the undersigned Fund;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(3)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">the
                                            portion of any other free writing prospectus or advertisement pursuant to Rule 482 under
                                            the Securities Act relating to the offering containing material information about the undersigned
                                            Fund or its securities provided by or on behalf of the undersigned Fund; and</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">(4)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">any
                                            other communication that is an offer in the offering made by the undersigned Fund to the
                                            purchaser.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">4.</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">The
                                            Fund undertakes that, for the purpose of determining any liability under the Securities Act:</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">a.</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">the
                                            information omitted from the form of prospectus filed as part of this Registration Statement
                                            in reliance upon Rule 430A and contained in the form of prospectus filed by the Fund pursuant
                                            to 424(b)(1) under the Securities Act shall be deemed to be part of the Registration Statement
                                            as of the time it was declared effective; and</TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">b.</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">each
                                            post- effective amendment that contains a form of prospectus shall be deemed to be a new
                                            Registration Statement relating to the securities offered therein, and the offering of such
                                            securities at that time shall be deemed to be the initial <I>bona fide</I> offering thereof.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">5.</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">The
                                            undersigned Fund hereby undertakes that, for purposes of determining any liability under
                                            the Securities Act of 1933, each filing of the Fund&#8217;s annual report pursuant to Section
                                            13(a) or Section 15(d) of the Securities Exchange Act of 1934 that is incorporated by reference
                                            into the Registration Statement shall be deemed to be a new Registration Statement relating
                                            to the securities offered therein, and the offering of such securities at that time shall
                                            be deemed to be the initial bona fide offering thereof.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">6.</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Insofar
                                            as indemnification for liabilities arising under the Securities Act of 1933 may be permitted
                                            to trustees, officers and controlling persons of the Fund pursuant to the foregoing provisions,
                                            or otherwise, the Fund has been advised that in the opinion of the Securities and Exchange
                                            Commission such indemnification is against public policy as expressed in the Act and is,
                                            therefore, unenforceable. In the event that a claim for indemnification against such liabilities
                                            (other than the payment by the Fund of expenses incurred or paid by a trustee, officer or
                                            controlling person of the Fund in the successful defense of any action, suit or proceeding)
                                            is asserted by such director, officer or controlling person in connection with the securities
                                            being registered, the Fund will, unless in the opinion of its counsel the matter has been
                                            settled by controlling precedent, submit to a court of appropriate jurisdiction the question
                                            whether such indemnification by it is against public policy as expressed in the Act and will
                                            be governed by the final adjudication of such issue.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">7.</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">The
                                            Fund undertakes to send by first class mail or other means designed to ensure equally prompt
                                            delivery, within two business days of receipt of an oral or written request, its Statement
                                            of Additional Information.</TD></TR></TABLE>



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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-transform: uppercase; text-align: center">SIGNATURES</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 18pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0pt">Pursuant to the requirements of the
Securities Act of 1933 and the Investment Company Act of 1940, the Registrant has duly caused this Registration Statement to be signed
on its behalf by the undersigned, thereunto duly authorized, in the City of Boston and The Commonwealth of Massachusetts, on the 25<SUP>th</SUP>
day of June 2021.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>JOHN HANCOCK FINANCIAL OPPORTUNITIES FUND</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%; padding-top: 12pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 42%; padding-top: 12pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 5%; padding-top: 12pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 5%; padding-top: 12pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">By:</FONT></TD>
    <TD STYLE="width: 41%; border-bottom: Black 1pt solid; padding-top: 12pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/ Andrew G. Arnott </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Name:</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Andrew G. Arnott</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Title:&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">President and Trustee</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; text-indent: 0pt">Pursuant to the requirements
of the Securities Act of 1933, this Amendment to the Registration Statement has been signed below by the following persons in the capacities
and on the date indicated.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; text-indent: 0pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 41%; padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Signature</B></FONT></TD>
    <TD STYLE="width: 36%; padding-top: 1pt; padding-bottom: 2.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Title</B></FONT></TD>
    <TD STYLE="width: 23%; padding-top: 1pt; padding-bottom: 2.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Date</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/ Andrew G. Arnott</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">President and Trustee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">June 25, 2021</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Andrew G. Arnott</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>/</B>s/ Charles A. Rizzo</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Chief Financial Officer </FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">June 25, 2021</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Charles A. Rizzo</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(Principal Financial Officer and Principal Accounting Officer)</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/ Charles L. Bardelis *</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">June 25, 2021</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Charles L. Bardelis</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/ James R. Boyle *</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">June 25, 2021</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">James R. Boyle</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/ Peter S. Burgess *</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">June 25, 2021</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Peter S. Burgess</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/ William H. Cunningham *</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">June 25, 2021</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">William H. Cunningham</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/ Grace K. Fey *</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">June 25, 2021</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Grace K. Fey</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/ Marianne Harrison *</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">June 25, 2021</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Marianne Harrison</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/ Deborah C. Jackson *</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">June 25, 2021</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Deborah C. Jackson</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/ Hassell H. McClellan *</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">June 25, 2021</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Hassell H. McClellan</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/ Steven R. Pruchansky *</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">June 25, 2021</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Steven R. Pruchansky</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/ Frances G. Rathke*</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">June 25, 2021</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Frances G. Rathke</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  </TABLE>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 41%; padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Signature</B></FONT></TD>
    <TD STYLE="width: 36%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Title</B></FONT></TD>
    <TD STYLE="width: 23%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Date</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/ Gregory A. Russo *</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">June 25, 2021</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Gregory A. Russo</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">*By:</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt; text-align: justify">Power of Attorney</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/ Ariel Ayanna</FONT></TD>
    <TD STYLE="width: 11%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 41%; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ariel Ayanna</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Attorney-In-Fact</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">*Pursuant to Power of Attorney filed herewith.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"></P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 100%">
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; width: 12%; border: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; width: 88%; border: Black 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>EXHIBIT INDEX</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B>JOHN HANCOCK FINANCIAL
    OPPORTUNITIES TRUST</B></P></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(a)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid"><A HREF="jhfof-html3755_ex992a.htm">Amended and Restated Declaration of Trust Dated January 22, 2016</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(a)(1)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid"><A HREF="jhfof-html3755_ex992a1.htm">Amendment dated December 13, 2018 to the Amended and Restated Agreement and Declaration of Trust dated January 22, 2016</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(b)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid"><A HREF="jhfof-html3755_ex992b.htm">Amended and Restated By-laws dated September 27, 2013 (&#8220;By-Laws&#8221;)</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(b)(1)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid"><A HREF="jhfof-html3755_ex992b1.htm">Amendment dated March 10, 2016 to the Amended and Restated By-Laws dated September 27, 2013</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(e)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid"><A HREF="jhfof-html3755_ex992e.htm">Dividend Reinvestment Plan dated June 25, 2021</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(g)(1)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992g1.htm">Amended and Restated Investment Advisory Agreement dated June 30, 2020 between the Fund and John Hancock Investment Management LLC (the &#8220;Advisor&#8221;)</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(g)(2)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992g2.htm">Sub-Advisory Agreement dated December 31, 2005 with the Advisor and Manulife Investment Management (US) LLC</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(g)(3)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992g3.htm">Sub-Advisory Agreement Amendment Dated January 18, 2013</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(h)(1)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992h1.htm">Form of Distribution Agreement between John Hancock Investment Management Distributors LLC (the &#8220;Distributor&#8221;), and the Fund</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(h)(2)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992h2.htm">Form of Dealer Agreement between the Distributor and the Dealer</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(j)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992j.htm">Master Custodian Agreement dated September 10, 2008 between the Fund and State Street Bank and Trust Company</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(j)(1)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992j1.htm">Amendment dated October 1, 2015 to the Master Custodian Agreement dated September 10, 2008 between the Fund and State Street Bank and Trust Company</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(k)(1)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992k1.htm">Administration Agreement Dated August 15,1994</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(k)(1)(a)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992k1a.htm">Amendment dated September 11, 2012 to the Administration Agreement</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(k)(1)(b)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992k1b.htm">Form of Expense Limitation Agreement between the Advisor and the Fund with respect to the Administration Agreement</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(k)(2)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992k2.htm">Service Agreement dated June 30, 2020 among the Fund, the Advisor, and the Fund&#8217;s Chief Compliance Officer</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(k)(3)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992k3.htm">Service Agreement for Transfer Agent Services dated June 1, 2002 with Computershare Inc</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(k)(3)(a)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992k3a.htm">Amendment dated July 1, 2007 to the Service Agreement for Transfer Agent Services</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(k)(3)(b)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992k3b.htm">Amendment dated September 25, 2007 to the Service Agreement for Transfer Agent Services</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(k)(3)(c)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992k3c.htm">Amendment dated October 10, 2007 to the Service Agreement for Transfer Agent Services</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(k)(3)(d)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992k3d.htm">Amendment dated July 1, 2010 to the Service Agreement for Transfer Agent Services</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(k)(3)(e)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992k3e.htm">Amendment dated October 18, 2010 to the Service Agreement for Transfer Agent Services</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(k)(3)(f)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992k3f.htm">Amendment dated April 6, 2011 to the Service Agreement for Transfer Agent Services</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(k)(3)(g)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992k3g.htm">Amendment dated March 31, 2013 to the Service Agreement for Transfer Agent Services</A></TD></TR>


  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(k)(3)(h)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992k3h.htm">Amendment dated June 30, 2014 to the Service Agreement for Transfer Agent Services</A></TD></TR>



  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(k)(3)(i)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992k3i.htm">Amendment dated June 30, 2016 to the Service Agreement for Transfer Agent Services</A></TD></TR>



  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(k)(3)(j)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992k3j.htm">Amendment dated July 1, 2018 to the Service Agreement for Transfer Agent Services</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(k)(4)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992k4.htm">Agreement to Waive Advisory Fees and Reimburse Expenses dated June 25, 2020</A></TD></TR>
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    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(l)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992l.htm">Legal Opinion dated June 25, 2021</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(n)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992n.htm">Consent of Independent Registered Public Accounting Firm Dated June 25, 2021.</A></TD></TR>
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    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(r)(1)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992r1.htm">John Hancock Code of Ethics dated January 1, 2008 (as revised September 17, 2020) for John Hancock Investment Management LLC<SUP>1</SUP> and John Hancock Variable Trust Advisers LLC (each, a &#8220;John Hancock Adviser&#8221;) and John Hancock Investment Management Distributors LLC, John Hancock Distributors, LLC, each open-end fund, closed-end fund, and exchange traded fund advised by a John Hancock Adviser (the &#8220;John Hancock Affiliated Funds&#8221;), (together, called &#8220;John Hancock&#8221;)</A></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(r)(2)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992r2.htm">Code of Ethics dated January 20, 2020 for Global Wealth and Asset Management and General Account Investments a division of Manulife Investment Management (US) LLC</A></TD></TR>
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    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(r)(3)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992r3.htm">Code of Ethics Effective December 6, 2005 Amended and Restated January 1, 2020 for the Independent Trustees of the John Hancock Funds</A></TD></TR>
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    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid">(2)(s)</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border: Black 1pt solid; text-align: justify"><A HREF="jhfof-html3755_ex992s.htm">Power of Attorney dated December 10, 2020</A></TD></TR>
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<TYPE>EX-99.(2)(A)
<SEQUENCE>2
<FILENAME>jhfof-html3755_ex992a.htm
<DESCRIPTION>AMENDED AND RESTATED DECLARATION OF TRUST DATED JANUARY 22, 2016
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>EXHIBIT (2)(a)</B></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">AMENDED AND RESTATED</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">AGREEMENT AND DECLARATION OF TRUST OF</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">JOHN HANCOCK FINANCIAL OPPORTUNITIES FUND<BR>
601 Congress St.<BR>
Boston, Massachusetts<BR>
02210</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Dated:&#9;January 22, 2016</P>




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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%; text-align: left; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 71%; text-align: left; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 9%; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><U>Page</U></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; text-transform: uppercase">Article I</FONT> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">THE TRUST</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 1.1</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Trust Name</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 1.2</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Offices&rsquo; Resident Agent</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 1.3</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Nature of Trust</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 1.4</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Definitions</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; text-transform: uppercase">Article II</FONT> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">PURPOSE OF THE TRUST</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; text-transform: uppercase">Article III</FONT> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">SHARES OF BENEFICIAL INTEREST</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 3.1</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Division of Beneficial Interest</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 3.2</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Ownership of Shares</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 3.3</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Investment in the Trust</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 3.4</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No Preemptive Rights</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 3.5</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Status of Shares; Limitation of Personal Liability</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 3.6</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Consideration for Shares</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; text-transform: uppercase">Article IV</FONT> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">TRUSTEES</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 4.1</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number; Designation, Election, Terms, etc.</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 4.2</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Powers</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 4.3</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Payment of Trust Expenses; Compensation of Trustees</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">11</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 4.4</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Ownership of Trust Assets</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">11</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 4.5</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Certain Contracts</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">11</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; text-transform: uppercase">Article V</FONT> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">SHAREHOLDERS&rsquo; VOTING POWERS AND MEETINGS</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">13</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 5.1</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Voting Powers</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">13</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 5.2</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Meetings</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">13</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 5.3</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Record Dates</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">14</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 5.4</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Quorum and Required Vote</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">14</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 5.5</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Action by Written Consent</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">14</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 5.6</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Inspection of Records</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 5.7</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Additional Provisions</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; text-transform: uppercase">Article VI</FONT> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">LIMITATION OF LIABILITY; INDEMNIFICATION</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 6.1</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Trustees, Shareholders, etc.; Not Personally Liable; Notice.</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 6.2</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Trustees&rsquo; Good Faith Action; Expert Advice; No Bond or Surety</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 6.3</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Apparent Authority of the Trustees</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 6.4</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Indemnification of Trustees, Officers, etc.</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 6.5</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Compromise Payment</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 6.6</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Indemnification Not Exclusive, etc</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">18</FONT></TD></TR>
  </TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%; padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 6.7</FONT></TD>
    <TD STYLE="width: 71%; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Indemnification of Shareholders</FONT></TD>
    <TD STYLE="width: 9%; text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; text-transform: uppercase">Article VII</FONT> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">MISCELLANEOUS</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 7.1</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Duration and Termination</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 7.2</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Reorganization</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 7.3</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Conversion</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 7.4</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Amendments, etc</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 7.5</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Filing of Copies</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 7.6</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Applicable Law</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 7.7</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">References; Gender; Headings; Counterparts</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 36pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 7.8</FONT></TD>
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Provisions in Conflict with Law or Regulations</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">21</FONT></TD></TR>
  </TABLE>



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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">AMENDED AND RESTATED AGREEMENT AND DECLARATION
OF TRUST OF<BR>
JOHN HANCOCK FINANCIAL OPPORTUNITIES FUND</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">AGREEMENT AND DECLARATION OF TRUST, amended and restated
on January 22, 2016, by the Trustees (together with all other persons from time to time duly elected, qualified and serving as Trustees
in accordance with the provisions of Article IV hereof, the &ldquo;Trustees&rdquo;);</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt; background-color: white">WHEREAS, pursuant to a declaration
of trust executed and delivered on June 16, 1994 (the &ldquo;Original Declaration&rdquo;), the Trustees established a trust for the investment
and reinvestment of funds contributed thereto;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">WHEREAS, the Trust has been established as a Massachusetts
business trust for the investment and reinvestment of funds contributed thereto;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">WHEREAS, the beneficial interest in the Trust assets
are divided into transferable shares of beneficial interest, as further set forth herein; and</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">WHEREAS, the Trustees desire to amend and restate the
Declaration of Trust in its entirety;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">NOW, THEREFORE, the Trustees hereby amend and restate
this Declaration of Trust as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase">Article
I</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt">THE TRUST</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 1.1&#9;<U>Trust Name</U>. The name of the Trust
shall be &ldquo;John Hancock Financial Opportunities Fund&rdquo;, and so far as may be practicable the Trustees shall conduct the Trust&rsquo;s
activities, execute all documents and sue or be sued under that name, which name (and the word &ldquo;Trust&rdquo; wherever used in this
Declaration of Trust, except where the context otherwise requires) shall refer to the Trustees in their capacity as Trustees, and not
individually or personally, and shall not refer to the officers, agents or employees of the Trust or of such Trustees, or to the Shareholders.
If the Trustees determine that the use of such name is not practicable, legal or convenient at any time or in any jurisdiction, or if
the Trust is required to discontinue the use of such name, then the Trustees may use such other designation or adopt such other name for
the Trust as they deem proper, and the Trust may hold property and conduct its activities under such other designation or name.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 1.2&#9;<U>Offices&rsquo; Resident Agent</U>.
The Trust shall have an office at 601 Congress Street, Boston, Massachusetts, unless changed by the Trustees to another location in Massachusetts
or elsewhere, but such office need not be the sole or principal office of the Trust. The Trust may have such other offices or places of
business as the Trustees may from time to time determine to be necessary or expedient. The Trustees may appoint, and from time to time
replace, a resident agent for the Trust in The Commonwealth of Massachusetts.</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 1.3&#9;<U>Nature of Trust</U>. The Trust shall
be a voluntary association with transferable shares under the laws of The Commonwealth of Massachusetts, of the type referred to in Section
1 of Chapter 182 of the Massachusetts General Laws and commonly known as a Massachusetts business trust. The Trust is not intended to
be, shall not be deemed to be and shall not be treated as, a general partnership, limited partnership, joint venture, corporation or joint
stock company. The Shareholders&rsquo; relationship to the Trustees shall be solely in accordance with the rights conferred upon them
hereunder. Nothing in this Declaration shall be construed to make the Shareholders, either by themselves or with the Trustees, partners,
members or joint venturers. Duties of the Trustees are limited to those imposed by applicable law or expressly stated herein.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 1.4&#9;<U>Definitions</U>. As used in this Declaration
of Trust, the following terms shall have the meanings set forth below unless the context thereof otherwise requires:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&ldquo;By-Laws&rdquo; means the By-Laws of the Trust,
as amended from time to time.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&ldquo;Class&rdquo; or &ldquo;Class of Shares&rdquo;
refer to the division of Shares into two or more Classes as provided in Article III, Section 3.1 hereof.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&ldquo;Commission&rdquo; means the Securities and Exchange
Commission.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&ldquo;Contracting Party&rdquo; has the meaning designated
in Section 4.5 hereof.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&ldquo;Declaration&rdquo; and &ldquo;Declaration of Trust&rdquo;
mean this Agreement and Declaration of Trust and all amendments or modifications thereof as from time to time in effect.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&ldquo;Majority of the Trustees&rdquo; means a majority
of the Trustees in office at the time in question. At any time at which there shall be only one Trustee in office, such phrase shall mean
such Trustee.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&ldquo;1940 Act&rdquo; means the Investment Company Act
of 1940 and the rules and regulations thereunder, both as amended from time to time, and any order or orders thereunder which may from
time to time be applicable to the Trust.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&ldquo;Series&rdquo; or &ldquo;Series of Shares&rdquo;
refers to the division of Shares representing any Class into two or more Series as provided in Article III, Section 3.1 hereof.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&ldquo;Shareholder&rdquo; means a record owner of Shares.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&ldquo;Shares&rdquo; means the transferable units of
interest into which the beneficial interest in the Trust shall be divided from time to time, or if more than one Class or Series of Shares
is authorized by the Trustees, the equal proportionate transferable units into which each Class or Series of Shares shall be divided from
time to time.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&ldquo;Trust&rdquo; means the Massachusetts business
trust established by this Declaration of Trust, as amended from time to time.</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&ldquo;Trustees&rdquo; means the persons who have signed
this Declaration of Trust, so long as they shall continue in office, and all other individuals who at the time in question have been duly
elected or appointed as Trustees of the Trust in accordance with the provisions hereof and who have qualified and are then in office.
Reference herein to a Trustee or the Trustees shall refer to such person or persons in his or her capacity or their capacities as trustees
hereunder. At any time at which there shall be only one Trustee in office, such term shall mean such single Trustee.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase">Article
II</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt">PURPOSE OF THE TRUST</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">The purpose of the Trust is to provide investors a managed
investment primarily in securities, debt instruments and other instruments and rights of a financial character and to enter into, or engage
in, any and all activities which investment companies are not prohibited from entering into pursuant to the 1940 Act whether or not the
Trust is registered or required to be registered under the 1940 Act.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase">Article
III</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt">SHARES OF BENEFICIAL INTEREST</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 3.1&#9;<U>Division of Beneficial Interest</U>.
The beneficial interest in the Trust shall at all times be divided into an unlimited number of transferrable Shares without par value.
Subject to the provisions of the Declaration of Trust and the By-Laws regarding the powers, preferences or special or relative rights
or privileges of any outstanding Class or Series of Shares, the Trustees may divide the Shares into two or more Classes and each such
Class into one or more Series, Shares of each such Class or Series having such provisions, including without limitation, preferences or
special or relative rights or privileges (including conversion rights, if any) as the Trustees may determine and as shall be set forth
in the By-Laws. The number of Shares of any such Class or Series authorized shall be unlimited, except as the By-Laws may otherwise provide.
The Trustees may from time to time divide or combine the Shares of any Class or Series into a greater or lesser number without thereby
changing the proportionate beneficial interest in the Class or Series.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 3.2&#9;<U>Ownership of Shares</U>. The ownership
of Shares shall be recorded on the books of the Trust or of a transfer or similar agent. No certificates evidencing the ownership of Shares
shall be issued by the Trust except as specifically provided herein or as the Trustees may otherwise determine from time to time. The
Trustees shall have the power to call outstanding Share certificates and to cause ownership of such Shares to be recorded only on the
books of the Trust. The Trustees may make such rules as they consider appropriate for the issuance of share certificates, the transfer
of Shares and similar matters. The record books of the Trust as kept by the Trust or any transfer or similar agent, as the case may be,
shall be conclusive as to who are the Shareholders of each Class or Series and as to the number of Shares of each Class or Series held
from time to time by each Shareholder.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 3.3&#9;<U>Investment in the Trust</U>. The Trustees
may accept investments in the Trust from such persons and on such terms and for such consideration, which may consist of cash or tangible
or intangible property or a combination thereof, as they or the By-Laws from time to time authorize.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 3.4&#9;<U>No Preemptive Rights</U>. Shareholders
shall have no preemptive or other right to subscribe for any additional Shares or other securities issued by the Trust.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 3.5&#9;<U>Status of Shares; Limitation of Personal
Liability</U>. Shares shall be deemed to be personal property, giving only the rights provided in this Declaration of Trust or the By-Laws.
For the avoidance of doubt, Shareholders shall have no rights, privileges, claims or remedies under any contract or agreement entered
into by the Trust or any Series thereof with any service provider or other agent to or contractor with the Trust or a Series thereof,
including, without limitation, any third party beneficiary rights. Every Shareholder by virtue of having become a Shareholder shall be
bound by the terms of this Declaration of Trust and the By-Laws. The death of a Shareholder during the continuance of the Trust shall
not operate to terminate the Trust nor to entitle the representative of any deceased Shareholder to an accounting or to take any action
in court or elsewhere against the Trust or the Trustees, but only to the rights of said decedent under this Declaration of Trust. Ownership
of Shares shall not entitle the Shareholder to any title in or to the whole or any part of the Trust property or any right to call for
a partition or division of the same or for an accounting, nor shall the ownership of Shares constitute the Shareholders partners. Neither
the Trust nor the Trustees, nor any officer, employee or agent of the Trust shall have any power to bind personally any Shareholder nor,
except as specifically provided herein, to call upon any sum of money or assessment whatsoever other than such as the Shareholder may
at any time personally agree to pay.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 3.6&#9;<U>Consideration for Shares</U>. The Trustees
may issue Shares of any Class or Series for such consideration and on such terms as they may determine (or for no consideration if pursuant
to a Share dividend or split up), all without action or approval of the Shareholders. All Shares when so issued on the terms determined
by the Trustees shall be fully paid and non-assessable.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase">Article
IV</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt">TRUSTEES</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 4.1&#9;<U>Number; Designation, Election, Terms,
etc.</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Number</U>.
Each of the Trustees&rsquo; address is c/o John Hancock Financial Opportunities Fund, 601 Congress Street, Boston, Massachusetts 02210.
The initial Trustees shall be the persons signing this Declaration. Except as otherwise provided herein or in the By-Laws, the Trustees
may increase or decrease the number of Trustees by a written instrument signed by a majority of the Trustees; provided that, unless otherwise
approved by more than 75% of the Trustees then in office, the number of Trustees shall not be greater than fourteen (14). No decrease
in the number of Trustees shall have the effect of removing any Trustee from office prior to the expiration of his term, but the number
of Trustees may be decreased in conjunction with the removal of a Trustee pursuant to subsection (d) of this Section 4.1.</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Election
and Term</U>. Except for the Trustees named herein or appointed to fill vacancies pursuant to Section 4.1(e) hereof, the Trustees shall
be elected by the Shareholders at a meeting called and held for that purpose for the terms as provided in this Declaration. Subject to
the 1940 Act and except as otherwise provided herein or in the By-Laws, the Trustees shall have the power to set and alter the terms of
office of the Trustees, and at any time to lengthen or shorten their own terms or make their terms of unlimited duration, to appoint their
own successors and, pursuant to subsection (e) of this Section 4.1, to fill vacancies; provided, that a Trustee or Trustees shall be elected
by the Shareholders at any such time or times such action is required under this Declaration of Trust, the By-Laws, the 1940 Act and the
rules and regulations of any securities exchange on which the Shares are listed; and provided, further, that after the initial election
of Trustees by the Shareholders, the term of office of any incumbent Trustee shall continue (unless specifically provided otherwise herein
or in the By-Laws) until the termination of this Trust or his earlier death, resignation, retirement, bankruptcy, adjudicated incompetency,
or other incapacity or removal, or if not so terminated, until the appointment or election of such Trustee&rsquo;s successor in office
has become effective.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Class</U>.
The Board of Trustees shall be divided into three Classes, each Class to consist, as nearly as may be, of one-third of the number of Trustees
then constituting the whole Board of Trustees. At any time the Board of Trustees shall consist of less than three Trustees, such Trustees
may, by unanimous vote of such Trustees and without Shareholder approval, terminate the division of the Board of Trustees into three Classes,
which vote is binding on any subsequent Board of Trustees. The Trustees shall be elected to each Class as provided in the By-Laws.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Resignation,
Retirement and Removal</U>. Any Trustee may resign his trust or retire as a Trustee, by a written instrument signed by him and delivered
to the other Trustees or to any officer of the Trust, and such resignation or retirement shall take effect upon such delivery or upon
such later date as is specified in such instrument. At any meeting called for the purpose, a Trustee may be removed from his office during
his term, but only for cause and only by action of the holders of at least 75% of the outstanding Shares; provided, however, that if termination
of a Trustee is recommended by more than 75% of the total number of Trustees then in office, the vote of a majority of the Shares then
outstanding shall be sufficient authorization. Upon the resignation or removal of a Trustee, or his otherwise ceasing to be a Trustee,
he shall execute and deliver such documents as the remaining Trustees shall require for the purpose of conveying to the Trust or the remaining
Trustees any trust property or property of any Series or Class of the Trust held in the name of the resigning or removed Trustee. Upon
the incapacity or death of any Trustee, his legal representative shall execute and deliver on his behalf such documents as the remaining
Trustees shall require as provided in the preceding sentence.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Vacancies</U>.
Any vacancy or anticipated vacancy resulting from any reason, including without limitation the death, resignation, retirement, removal
or incapacity of any of the Trustees, or an increase in the number of Trustees, may (unless otherwise required by the 1940 Act) be filled
by a Majority of the Trustees, subject to the provisions of this Declaration of</P>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Trust, the By-Laws and the 1940 Act; provided, that if required by the 1940
Act or if there shall be no Trustees in office, such vacancy or vacancies shall be filled by the Shareholders. Any such appointment or
election shall take effect immediately, except that an appointment or election in anticipation of a vacancy to occur by reason of retirement,
resignation or increase in the number of Trustees to be effective at a later date shall become effective only at or after the effective
date of said retirement, resignation or increase in the number of Trustees.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effect
of Death, Resignation, etc</U>. The death, resignation, retirement, removal or incapacity of the Trustees, or any one of them, shall not
operate to annul or terminate the Trust or to revoke or terminate any existing agency or contract created or entered into pursuant to
the terms of this Declaration of Trust. Whenever a vacancy shall occur, until such vacancy is filled, the Trustees in office, regardless
of their number, shall have all the powers granted to the Trustees and shall discharge all the duties imposed upon the Trustees by this
Declaration.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Accounting</U>.
Except under circumstances which would justify his removal for cause, no individual ceasing to be a Trustee (nor the estate of any such
individual) shall be required to make an accounting to the Shareholders or remaining Trustees upon such cessation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 4.2&#9;<U>Powers</U>. Subject to the provisions
of this Declaration of Trust, the business of the Trust shall be managed by the Trustees, and they shall have all powers necessary or
convenient to carry out that responsibility. Without limiting the foregoing, the Trustees may adopt By-Laws not inconsistent with this
Declaration of Trust providing for the conduct of the business and affairs of the Trust and, subject to Section 7.4 hereof, may amend
and repeal them to the extent that such By-Laws do not reserve that right to the Shareholders of one or more Classes or Series; they may
select, and from time to time change, the fiscal year of the Trust; they may as they consider appropriate elect and remove officers, appoint
and terminate agents and consultants, and hire and terminate employees, any one or more of the foregoing of whom may be a Trustee, and
may provide for the compensation of all of the foregoing; they may appoint from their own number, and terminate, any one or more committees
consisting of one or more Trustees, including without implied limitation an executive committee, which may, when the Trustees are not
in session and subject to the 1940 Act, exercise some or all of the power and authority of the Trustees as the Trustees may determine;
they may employ one or more custodians of the assets of the Trust and may authorize any such custodian to employ sub-custodians or agents
and to deposit all or any part of such assets in a system or systems for the central handling of securities; they may retain investment
advisers, administrative agents, transfer agents, dividend disbursing agents, accounting agents or shareholder servicing agents, or any
of the foregoing; they may provide for the distribution of securities issued by the Trust through one or more underwriters, distributors
or otherwise; they may set record dates or times for the determination of Shareholders entitled to participate in, benefit from or act
with respect to various matters; and in general they may delegate to any officer of the Trust, to any committee of the Trustees, and to
any employee, agent or consultant of the Trust such authority, powers, functions and duties as they consider desirable or appropriate
for the conduct of the business and affairs of the Trust, including, without implied limitation, the power and authority to act in the
name of the Trust and of the Trustees, to sign documents and to act as attorney-in-fact for the Trustees.</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Without limiting the foregoing, the Trustees shall have
power and authority:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to invest
and reinvest cash and other property, and to hold cash uninvested;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to sell,
exchange, lend, pledge, mortgage, hypothecate, write options on, lease, grant security interests in, negotiate, convey, transfer or otherwise
dispose of and trade in the assets of the Trust;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to vote
or give assent or exercise any rights of ownership with respect to stock or other securities or property; and to receive powers of attorney
from, and to execute and deliver proxies or powers of attorney to, such person or persons as the Trustees shall deem proper, receiving
from or granting to such person or persons such power and discretion with relation to securities or property as the Trustees shall deem
proper;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to exercise
powers and rights of subscription or otherwise which in any manner arise out of ownership of securities;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to hold
any security or property in a form not indicating any trust, whether in bearer, unregistered or other negotiable form, or in the name
of the Trustees, or in the name of a custodian, sub-custodian or other depositary or a nominee or nominees, or otherwise;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to consent
to or participate in any plan for the reorganization, consolidation or merger of any corporation or issuer, any security of which is or
was held in the Trust; to consent to any contract, lease, mortgage, purchase or sale of property by any such corporation or issuer; and
to pay calls or subscriptions with respect to any security held in the Trust;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to join
with other security holders in acting through a committee, depositary, voting trustee or otherwise, and in that connection to deposit
any security with, or transfer any security to, any such committee, depositary or trustee, and to delegate to them such power and authority
with relation to any security (whether or not so deposited or transferred) as the Trustees shall deem proper, and to agree to pay, and
to pay, such portion of the expenses and compensation of such committee, depositary or trustee as the Trustees shall deem proper;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to compromise,
arbitrate or otherwise adjust claims in favor of or against the Trust for any matter in controversy, including but not limited to claims
for taxes;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to enter
into joint ventures, general or limited partnerships and any other combinations or associations;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to borrow
funds and in this connection to issue notes or other evidence of indebtedness;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to endorse
or guarantee the payment of any notes or other obligations of any person; to make contracts of guaranty or suretyship, or otherwise assume
liability for payment thereof; and to mortgage or pledge the Trust property or any part thereof to secure any part of or all such obligations;</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to purchase
and pay for entirely out of the Trust property such insurance as they may deem necessary or appropriate for the conduct of the business
of the Trust, including without limitation insurance policies insuring the assets of the Trust, or payment of distributions and principal
on its portfolio investments, and insurance policies insuring the Shareholders, Trustees, officers, employees, agents, investment advisers,
underwriters, or other independent contractors, of the Trust individually against all claims and liabilities of every nature arising by
reason of holding or having held any such office or position, or by reason of any action alleged to have been taken or omitted by any
such person in any such capacity, including any action taken or omitted that may be determined to constitute negligence, whether or not
the Trust would have the power to indemnify any such person against such liability;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to pay pensions
for faithful service, as deemed appropriate by the Trustees, and to adopt, establish and carry out pension, profit-sharing, share bonus,
share purchase, savings, thrift and other retirement, incentive and benefit plans, trusts and provisions, including the purchasing of
life insurance and annuity contracts as a means of providing such retirement and other benefits, for any or all of the Trustees, officers,
employees and agents of the Trust;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to the extent
necessary or appropriate to give effect to preferences, special or relative rights and privileges of any Class or Series of Shares, to
allocate assets, liabilities, income and expenses of the Shares or to apportion the same among two or more Classes or Series;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to enter
into, make and perform all such obligations, contracts, agreements and undertakings of every kind and description, with any person or
persons, as the Trustees shall in their discretion deem expedient in the conduct of the business of the Trust, for such terms as they
shall see fit, whether or not extending beyond the term of office of the Trustees, or beyond the possible expiration of the Trust; and
to amend, extend, release or cancel any such obligations, contracts, agreements or understandings; and to execute, acknowledge, deliver
and record all written instruments which they may deem necessary or expedient in the exercise of their powers;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Without
limiting the foregoing, the Trustees shall have the following power and authority:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Trustees shall have the power to engage in and to prosecute, defend, compromise, abandon, or adjust by arbitration, or otherwise, any
actions, suits, proceedings, disputes, claims, and demands relating to the Trust or arising out of or relating to the Trustees&rsquo;
service to the Trust, and out of the assets of the Trust or any Series thereof to pay or to satisfy any debts, claims or expenses incurred
in connection therewith, including those of litigation, and such power shall include without limitation the power of the Trustees or any
appropriate committee thereof, in the exercise of their or its good faith business judgment, to</P>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 0pt">dismiss any action, suit, proceeding, dispute,
claim, or demand, derivative or otherwise, brought by any person, including a Shareholder in its own name or the name of the Trust, whether
or not the Trust or any of the Trustees may be named individually therein or the subject matter arises by reason of business for or on
behalf of the Trust or any Series or Class thereof. To the maximum extent permitted by law, any exercise of power described in this Section
4.2(p) shall be final and binding on all Persons, including Shareholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
suit, action or proceeding brought by or in the right of any Shareholder or any Person claiming any interest in any Shares seeking to
enforce any provision of, or based on any matter arising out of, related to, or in connection with, this Declaration or the Trust, any
Series or Class or any Shares, including without limitation any claim (whether direct, derivative or otherwise) of any nature against
or on behalf of the Trust, any Series or Class, the Trustees or officers of the Trust, or the investment adviser, shall be brought exclusively
in the United States District Court for the District of Massachusetts, or to the extent such court does not have jurisdiction then such
actions and/or claims, shall be brought in the Superior Court of Suffolk County for the Commonwealth of Massachusetts. If a Shareholder
or group of Shareholders bring a claim in a jurisdiction other than as specified above, and venue for such claim is subsequently changed
through legal process to the United States District Court for the District of Massachusetts or the Superior Court of Suffolk County for
the Commonwealth of Massachusetts, such Shareholder(s) shall reimburse all expenses incurred by the Trust or any other Person in effecting
such change of venue.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
Shareholder or group of Shareholders may bring a derivative action on behalf of the Trust only in accordance with the terms of this Section
4.2(p) in addition to any requirements applicable to shareholders of a Massachusetts business corporation that are not inconsistent with
the terms of this Declaration.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
to the extent expressly permitted under the federal securities laws, no Shareholder or group of Shareholders shall have the right to bring
or maintain any court action, proceeding or claim on behalf of the Trust or any Series or Class of Shares without first making demand
on the Trustees requesting the Trustees to bring or maintain such action, proceeding or claim. Such demand shall not be excused under
any circumstances, including claims of alleged interest on the part of the Trustees, unless the demanding Shareholder(s) make a specific
showing that irreparable nonmonetary injury to the Trust or Series or Class of Shares that the Shareholder(s) could not reasonably have
prevented would otherwise result. Such demand shall be mailed to the Secretary of the Trust at the Trust&rsquo;s principal office and
shall set forth with particularity the nature of the proposed court action, proceeding or claim and the essential facts relied upon by
the Shareholder(s) to support the allegations made in the demand. The Trustees shall consider the merits of the claim and determine whether
commencing or maintaining a suit would be in the best interests of the Trust or the affected Series or Class, as applicable. In their
sole discretion, the Trustees may submit the</P>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 0pt">question of whether to proceed with the claim
to a vote of Shareholders of the Trust or a Series or Class of Shares, as appropriate. To the maximum extent permitted by law, any decision
by the Trustees to bring, maintain or settle (or not to bring, maintain or settle) such court action, proceeding or claim, or to submit
the matter to a vote of Shareholders, shall be final and binding upon the Shareholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
Trustee acting in connection with any demand or any proceeding relating to a claim on behalf of or for the benefit of the Trust or any
Series or Class thereof who is not an Interested Person of the Trust shall be deemed to be independent and disinterested with respect
to any actions taken in connection with any such demand, proceeding, or claim. Without limiting the foregoing, a Trustee otherwise independent
for purposes of considering the demand shall not be considered not to be independent and disinterested by virtue of (i) the fact that
such Trustee receives remuneration for his service as a Trustee of the Trust or as a trustee or director of one or more investment companies
with the same or an affiliated investment adviser or underwriter, (ii) the amount of such remuneration, (iii) the fact that such Trustee
was identified in the demand as a potential defendant or witness or was named as a defendant in any derivative action, or (iv) the fact
that the Trustee approved or participated in the act being challenged in the demand if the act resulted in no material personal benefit
to the Trustee or, if the Trustee is also a Shareholder, no material personal benefit that is not shared pro rata with other Shareholders
of the Series or Class of which the Trustee is a Shareholder.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">(vi)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
purposes of this Section 4.2(p), the Trustees may designate a committee to consider a demand by Shareholders. Such committee (or the Trustees
in the absence of a committee) shall be entitled to retain counsel or other advisers in considering the merits of the demand.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">(vii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
diminution in the value of the Shareholder&rsquo;s shares, or any other claim arising out of or relating to an allegation regarding the
actions, inaction, or omissions of or by the Trustees, the Trust&rsquo;s officers, or the investment adviser is a legal claim belonging
only to the Trust and not to the Shareholders individually. Accordingly, all Shareholders shall be bound to bring any and all such claims
pursuant only to the provisions of Section 4.2(p)(iii) - (v). For these purposes, the Trust is deemed to be a separate and distinct legal
entity.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">(viii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event that any current or former Shareholder or anyone on such a Shareholder&rsquo;s behalf (each, a &ldquo;Claiming Party&rdquo;)
initiates or asserts any claim in a derivative action brought by or in the right of the Trust or a Series (&ldquo;Claim&rdquo;) or joins,
offers substantial assistance to or has a direct financial interest in any Claim against the Trust or Series and/or any Trustee, Trust
officer or the investment adviser (the &ldquo;Defendants&rdquo;), then to the fullest extent permitted by law, either (i) if the Claiming
Parties are found to have brought or maintained the Claim without reasonable cause or for an improper purpose, then each Claiming Party
shall be obligated jointly and severally to reimburse the Defendants&rsquo;</P>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 0pt">reasonable expenses, including counsel fees,
incurred in defending the Claim or (ii) if the Claim is found to have resulted in a substantial benefit to the Trust or Series, the Trust
or Series shall be obligated to reimburse the Claiming Parties&rsquo; reasonable expenses, including counsel fees, incurred in pursuing
the Claim; and</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to do all
such other acts and things and to conduct, operate, carry on and engage in such other lawful businesses or business activities as they
shall in their sole and absolute discretion consider to be incidental to the business of the Trust as an investment company, and to exercise
all powers which they shall in their discretion consider necessary, useful or appropriate to carry on the business of the Trust, to promote
any of the purposes for which the Trust is formed, whether or not such things are specifically mentioned herein, in order to protect or
promote the interests of the Trust or otherwise to carry out the provisions of this Declaration.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">The Trustees shall not in any way be bound or limited
by any present or future law or custom concerning investments by trustees, nor shall the Trustees be limited to investing in obligations
maturing before the possible termination of the Trust. The Trustees shall not be required to obtain a court order to deal with any assets
of the Trust or take any other actions hereunder.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Except as otherwise provided herein or from time to time
in the By-Laws, any action to be taken by the Trustees may be taken by a Majority of the Trustees present at a meeting of Trustees (a
quorum being present), within or without Massachusetts, or by written consent of a Majority of the Trustees. Any meeting of Trustees may
be held by means of a telephone conference call or other communications facility and participation by such means shall constitute presence
in person at such meeting.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 4.3&#9;<U>Payment of Trust Expenses; Compensation
of Trustees</U>. The Trustees are authorized to pay or to cause to be paid out of the assets of the Trust, all expenses, fees, charges,
taxes and liabilities incurred or arising in connection with the Trust, or in connection with the management thereof, including, but not
limited to, the Trustees&rsquo; compensation and such expenses and charges for the services of the Trust&rsquo;s officers, employees,
investment adviser, sub-adviser, administrator, underwriter, auditor, counsel, custodian, sub-custodian, transfer agent, dividend disbursing
agent, shareholder servicing agent, and such other agents or independent contractors and such other expenses and charges, as the Trustees
may deem necessary or proper to incur. Without limiting the generality of any other provision hereof, the Trustees shall be entitled to
reasonable compensation from the Trust for their services as Trustees and may fix the amount of such compensation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 4.4&#9;<U>Ownership of Trust Assets</U>. Title
to all of the assets of the Trust shall at all times be considered as vested in the Trustees.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 4.5&#9;<U>Certain Contracts</U>. Subject to compliance
with the provisions of the 1940 Act, but notwithstanding any limitations of present and future law or custom concerning delegation of
powers by trustees generally, the Trustees may, at any time and from time to time and without limiting the generality of their powers
and authority otherwise set forth herein, enter into one or more contracts with any one or more corporations, trusts, associations, partnerships,
limited partnerships, other type of organizations, or individuals (a &ldquo;Contracting Party&rdquo;), to</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0pt">provide for the performance and assumption of some or
all of the following services, duties and responsibilities to, for or on behalf of the Trust or the Trustees, and to provide for the performance
and assumption of such other services, duties and responsibilities in addition to those set forth below as the Trustees may deem appropriate:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to manage
the Trust&rsquo;s assets, to make investment decisions with respect thereto, and to place purchase and sale orders for portfolio transactions
relating to such investments;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to supervise
all or any part of the operations of the Trust and to provide all or any part of the administrative and clerical personnel, office space,
and office equipment and services appropriate for the efficient administration and operation of the Trust;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to distribute
the Shares or other securities issued by the Trust, to be principal underwriter of such Shares or securities, or to act as agent of the
Trust in the sale of such Shares or securities and the acceptance or rejection of orders for the purchase thereof;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to act as
depositary for and to maintain custody of the property of the Trust and accounting records in connection therewith;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to maintain
records of ownership of outstanding Shares, the issuance and redemption and the transfer thereof, and to disburse any dividends declared
by the Trustees and in accordance with the policies of the Trustees and the instructions of any particular Shareholder to reinvest any
such dividends; and</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to handle
all or any part of the accounting responsibilities, whether with respect to the Trust&rsquo;s properties, Shareholders or otherwise.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">The same person may be a Contracting Party for some or
all of the services, duties and responsibilities to, for and of the Trust or the Trustees, and the contracts with respect thereto may
contain such terms interpretive of or in addition to the delineation of the services, duties and responsibilities provided for, including
provisions relating to the standard of care and the rights to indemnification of the Contracting Party and others, as the Trustees may
determine. Nothing herein shall preclude, prevent or limit the Trust or a Contracting Party from entering into sub-contractual arrangements
relative to any of the matters referred to in this Section 4.5.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">The fact that:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;any of the
Shareholders, Trustees or officers of the Trust is a shareholder, director, officer, partner, trustee, employee, investment adviser, principal
underwriter or distributor, or agent of or for any Contracting Party or of or for any parent or affiliate of any Contract Party, or that
any Contracting Party or any parent or affiliate thereof is a Shareholder or has an interest in the Trust, or that</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;any Contracting
Party may have a contract providing for the rendering of any similar services to one or more other corporations, trusts, associations,
partnerships, limited partnerships or other organizations, or have other businesses or interests;</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">shall not affect the validity of any such contract or disqualify any Shareholder,
Trustee or officer of the Trust from voting upon or executing the same or create any liability or accountability to the Trust or to the
Shareholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase">Article
V</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt">SHAREHOLDERS&rsquo; VOTING POWERS
AND MEETINGS</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 5.1&#9;<U>Voting Powers</U>. Subject to the voting
powers of one or more Classes or Series of Shares as set forth in this Declaration of Trust or in the By-Laws, Shareholders shall have
power to vote only (i) for the election of Trustees as provided herein, (ii) for the removal of Trustees as provided herein, (iii) with
respect to any matter as to which shareholder action is required by the 1940 Act, (iv) with respect to any voluntary liquidation, dissolution,
winding up, merger or consolidation or sale of all or substantially all of the assets of the Trust to the extent and as provided herein,
(v) with respect to any amendment of this Declaration of Trust or the By-Laws to the extent provided in Section 7.4 herein or the By-Laws,
(vi) to the same extent as the stockholders of a Massachusetts business corporation as to whether or not a court action, proceeding or
claim should or should not be brought or maintained derivatively or as a Class action on behalf of the Trust or the Shareholders, and
(vii) with respect to such additional matters as may be required or as the Trustees may consider necessary or desirable. On any matter
required or permitted to be voted on by the Shareholders, all Shares then entitled to vote shall be voted in the aggregate as a single
Class without regard to Class or Series, except (i) when required by this Declaration of Trust, the By-Laws or by the 1940 Act, or when
the Trustees shall have determined that any matter to be submitted to a vote of the Shareholders affects the rights or interests of the
Shareholders of one or more Classes or Series materially differently, Shares shall be voted by individual Class or Series; and (ii) when
the Trustees shall have determined that the matter affects only the interests of one or more Classes or Series, then only the Shareholders
of such Class or Classes or Series shall be entitled to vote thereon. Each Share shall be entitled to one vote as to any matter on which
it is entitled to vote and each fractional Share shall be entitled to a proportionate fractional vote. There shall be no cumulative voting
in the election of Trustees. Shares may be voted in person or by proxy. A proxy with respect to Shares held in the name of two or more
persons shall be valid if executed by any one of them unless at or prior to exercise of the proxy the Trust receives a specific written
notice to the contrary from any one of them. A proxy purporting to be executed by or on behalf of a Shareholder shall be deemed valid
unless challenged at or prior to its exercise and the burden of proving invalidity shall rest on the challenger. Until Shares are issued,
the Trustees may exercise all rights of Shareholders and may take any action required by law, this Declaration of Trust or the By-Laws
to be taken by Shareholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 5.2&#9;<U>Meetings</U>. Meetings of the Shareholders
may be called by the Trustees from time to time for the purpose of taking action upon any matter requiring the vote or authority of the
Shareholders as herein provided, or upon any other matter deemed by the Trustees to be necessary or desirable. Except as otherwise provided
in the By-Laws, written notice of any meeting of Shareholders shall be given or caused to be given by the Trustees by mailing such notice
at least ten days before such meeting, postage prepaid, stating the time, place and purpose of the meeting, to each Shareholder entitled
to vote at such meeting at the Shareholder&rsquo;s address as it appears on the records of the Trust. If the Trustees shall fail to call
or give notice of any</P>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0pt">meeting of Shareholders for a period of 30 days after
written application by Shareholders holding at least 25% of the then outstanding Shares entitled to vote at such meeting requesting that
a meeting be called for a purpose requiring action by the Shareholders as provided herein or in the By-Laws, then Shareholders holding
at least 25% of the then outstanding Shares entitled to vote at such meeting may call and give notice of such meeting, and thereupon the
meeting shall be held in the manner provided for herein in case of call thereof by the Trustees. Notice of a meeting need not be given
to any Shareholder if a written waiver of notice, executed by him before or after the meeting, is filed with the records of the meeting,
or to any Shareholder who attends the meeting without protesting prior thereto or at its commencement the lack of notice to him.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 5.3&#9;<U>Record Dates</U>. Except as otherwise
provided in the By-Laws, for the purpose of determining the Shareholders who are entitled to vote or act at any meeting or any adjournment
thereof, or who are entitled to participate in any dividend or distribution, or for the purpose of any other action, the Trustees may
from time to time close the transfer books for such period, not exceeding 30 days (except at or in connection with the termination of
the Trust), as the Trustees may determine; or without closing the transfer books the Trustees may fix a reasonable date and time prior
to the date of any meeting of Shareholders or other action as the date and time of record for the determination of Shareholders entitled
to vote at such meeting or any adjournment thereof or to be treated as Shareholders of record for purposes of such other action, and any
Shareholder who was a Shareholder at the date and time so fixed shall be entitled to vote at such meeting or any adjournment thereof or
to be treated as a Shareholder of record for purposes of such other action, even though he has since that date and time disposed of his
Shares, and no Shareholder becoming such after that date and time shall be so entitled to vote at such meeting or any adjournment thereof
or to be treated as a Shareholder of record for purposes of such other action.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 5.4&#9;<U>Quorum and Required Vote</U>. A majority
of the Shares entitled to vote and present in person or by proxy at the meeting shall be a quorum for the transaction of business at a
Shareholders&rsquo; meeting, except that where the By-Laws so require or the Trustees provide that holders of any Class or Classes or
Series shall vote as a Class or Classes or Series, then a majority of the aggregate number of Shares of that Class or Classes or Series
entitled to vote and present in person or by proxy at the meeting shall be necessary to constitute a quorum for the transaction of business
by that Class or Classes or Series. Any lesser number shall be sufficient for adjournments. Any adjourned session or sessions may be held
within a reasonable time after the date set for the original meeting without the necessity of further notice. Except when a different
vote is required by any provision of the 1940 Act, the By-Laws or this Declaration of Trust or, when such a different vote is not specifically
provided in this Declaration of Trust or the By-Laws, the Trustees shall in their discretion require a different vote or the vote of a
majority of a different percentage of the Shares of one or more particular Classes or Series, a majority of the Shares voted shall decide
any question and a plurality of the Shares voted shall elect a Trustee.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 5.5&#9;<U>Action by Written Consent</U>. Any
action taken by Shareholders may be taken without a meeting if a majority of Shareholders entitled to vote on the matter (or such different
proportion thereof as shall be required by any express provision of this Declaration of Trust or the By-Laws or as shall be permitted
by the Trustees) consent to the action in writing</P>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0pt">and such written consents are filed with the records of
the meetings of Shareholders. Such consent shall be treated for all purposes as a vote taken at a meeting of Shareholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 5.6&#9;<U>Inspection of Records</U>. The records
of the Trust shall be open to inspection by Shareholders to the same extent as is permitted stockholders of a Massachusetts business corporation
under the Massachusetts Business Corporation Law.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 5.7&#9;<U>Additional Provisions</U>. The By-Laws
may include further provisions for Shareholders&rsquo; votes and meetings and related matters.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase">Article
VI</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt">LIMITATION OF LIABILITY; INDEMNIFICATION</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 6.1&#9;<U>Trustees, Shareholders, etc.; Not
Personally Liable; Notice.</U> All persons extending credit to, contracting with or having any claim against the Trust shall look
only to the assets of the Trust for payment under such credit, contract or claim, and neither the Shareholders nor the Trustees, nor
any of the Trust&rsquo;s officers, employees or agents, whether past, present, or future, shall be personally liable therefor. Every
note, bond, contract, instrument, certificate or undertaking and every other act or thing whatsoever executed or done by or on
behalf of the Trust or the Trustees or any of them in connection with the Trust shall be conclusively deemed to have been executed
or done only in or with respect to their or his capacity as Trustees or Trustee, and such Trustees or Trustee shall not be
personally liable thereon. Notwithstanding the foregoing, nothing in this Declaration of Trust or the By-Laws shall protect any
Trustee against any liability to which such Trustee would otherwise be subject by reason of willful misfeasance, bad faith, grass
negligence or reckless disregard of the duties involved in the conduct of the office of Trustee.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Every note, bond, contract, instrument, certificate or
undertaking made or issued by the Trustees or by any officer or officers shall give notice that this Declaration of Trust is on file with
the Secretary of The Commonwealth of Massachusetts and shall recite that the same was executed or made by or on behalf of the Trust or
by them as Trustee or Trustees or as officer or officers and not individually and that the obligations of such instrument are not binding
upon any of them or the Shareholders individually but are binding only upon the assets and property of the Trust, and may contain such
further recital as he or they may deem appropriate, but the omission thereof shall not operate to bind any Trustee or Trustees or officer
or officers or Shareholder or Shareholders individually.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 6.2&#9;<U>Trustees&rsquo; Good Faith Action;
Expert Advice; No Bond or Surety</U>. The exercise by the Trustees of their powers and discretion hereunder shall be binding upon everyone
interested. A Trustee shall be liable for his own willful misfeasance, bad faith, gross negligence or reckless disregard of the duties
involved in the conduct of the office of Trustee, and for nothing else, and shall not be liable for errors of judgment or mistakes of
fact or law. Subject to the foregoing, (i) the Trustees shall not be responsible or liable in any event for any neglect or wrongdoing
of any officer, agent, employee, consultant or Contracting Party, nor shall any Trustee be responsible for the act or omission of any
other Trustee; (ii) the Trustees may take advice of counsel or other experts with respect to the meaning and operation of this Declaration</P>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0pt">of Trust, and shall be under no liability for any act
or omission in accordance with such advice or for failing to follow such advice; and (iii) in discharging their duties, the Trustees,
when acting in good faith, shall be entitled to rely upon this Declaration, the books of account of the Trust and upon written reports
made to the Trustees by any officer appointed by them, any independent accountant, and (with respect to the subject matter of the contract
involved) any officer, partner or responsible employee of a Contracting Party. The Trustees shall not be required to give any bond as
such, nor any surety or any other security if a bond is required. To the extent that, at law or in equity, a Trustee is found to have
duties and liabilities relating thereto to the Trust, the Shareholders or any other Person, a Trustee acting under this Declaration shall
not be liable to the Trust, the Shareholders or any other Person if the Trustee has relied in good faith on the provisions of this Declaration.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 6.3&#9;<U>Apparent Authority of the Trustees</U>.
No person dealing with the Trustees shall be bound to make any inquiry concerning the validity of any transaction made or to be made by
the Trustees or to see to the application of any payments made or property transferred to the Trust or upon its order.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 6.4&#9;<U>Indemnification of Trustees, Officers,
etc.</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to the exceptions and limitations contained in paragraph (b) below:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;every
person who is, or has been, a Trustee, officer, employee or agent of the Trust (including any individual who serves at its request as
director, officer, partner, trustee or the like of another organization in which it has any interest as a shareholder, creditor or otherwise
shall be indemnified by the Trust, or by one or more Series thereof if the claim arises from his or her conduct with respect to only such
Series (unless the Series was terminated prior to any such liability or claim being known to the Trustees, in which case such obligations,
to the extent not satisfied out of the assets of a Series, the obligation shall be an obligation of the Trust), to the fullest extent
permitted by law against all liability and against all expenses reasonably incurred or paid by him in connection with any claim, action,
suit or proceeding in which he becomes involved as a party or otherwise by virtue of his being or having been a Trustee or officer and
against amounts paid or incurred by him in the settlement hereof; and</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
words &ldquo;claim,&rdquo; &ldquo;action,&rdquo; &ldquo;suit,&rdquo; or &ldquo;proceeding&rdquo; shall apply to all claims, actions, suits
or proceedings (civil, criminal, or other, including appeals), actual or threatened; and the words &ldquo;liability&rdquo; and &ldquo;expenses&rdquo;
shall include, without limitation, attorneys&rsquo; fees, costs, judgments, amounts paid in settlement, fines, penalties and other liabilities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To the extent
required by the 1940 Act, no indemnification shall be provided hereunder to a Trustee or officer:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;with
respect to any matter as to which he shall have been fully adjudicated to be liable to the Trust, a Series thereof or the shareholders
by reason</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 0pt">of willful misfeasance, bad faith, gross negligence
or reckless disregard of the duties involved in the conduct of his office as expressly set forth herein;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;in
the event of a settlement or other disposition not involving a final adjudication as provided in paragraph (b)(i) resulting in a payment
by a Trustee or officer, unless there has been a determination that such Trustee or officer did not engage in willful misfeasance, bad
faith, gross negligence or reckless disregard of the duties involved in the conduct of his office as expressly set forth herein:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 108pt"></TD><TD STYLE="width: 36pt">(1)</TD><TD>by the court or other body approving the settlement or other disposition;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 144pt; text-indent: -36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 108pt"></TD><TD STYLE="width: 36pt">(2)</TD><TD>based upon a review of readily available facts (as opposed to a full trial-type inquiry) by (x) vote of a majority of the Non-interested
Trustees acting on the matter (provided that a majority of the Non-interested Trustees then in office act on the matter) or (y) written
opinion of independent legal counsel; or</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 144pt; text-indent: -36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 108pt"></TD><TD STYLE="width: 36pt">(3)</TD><TD>by a vote of a majority of the Shares outstanding and entitled to vote (excluding Shares owned of record or beneficially by such individual).</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 144pt; text-indent: -36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
rights of indemnification herein provided may be insured against by policies maintained by the Trust, shall be severable, shall not affect
any other rights to which any Trustee or officer may now or hereafter be entitled, shall continue as to a person who has ceased to be
such Trustee or officer and shall inure to the benefit of the heirs, executors, administrators and assigns of such a person. Nothing contained
herein shall affect any rights to indemnification to which personnel of the Trust or any Series thereof other than Trustees and officers
may be entitled by contract or otherwise under law;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Expenses
of preparation and presentation of a defense to any claim, action, suit or proceeding of the character described in paragraph (a) of this
Section 6.4 may be advanced by the Trust or a Series thereof prior to final disposition thereof upon receipt of an undertaking by or on
behalf of the recipient to repay such amount if it is ultimately determined that he is not entitled to indemnification under this Section
6.4, provided that either:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 108pt"></TD><TD STYLE="width: 36pt">(1)</TD><TD>such undertaking is secured by a surety bond or some other appropriate security provided by the recipient, or the Trust or Series
thereof shall be insured against losses arising out of any such advances; or</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 144pt; text-indent: -36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 108pt"></TD><TD STYLE="width: 36pt">(2)</TD><TD>a majority of the Non-interested Trustees acting on the matter (provided that a majority of the Non-interested Trustees act on the
matter) or an independent legal counsel in a written opinion shall determine, based upon a review of readily available facts (as</TD></TR></TABLE>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 144pt; text-indent: 0pt">opposed to a full trial-type inquiry), that
there is reason to believe that the recipient ultimately will be found entitled to indemnification.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 144pt; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt">As used in this Section 6.4, a &ldquo;Non-interested Trustee&rdquo;
is one who (i) is not an interested person of the Trust (including anyone who has been exempted from being an interested person by any
rule, regulation or order of the Commission), and (ii) is not involved in the claim, action, suit or proceeding; and</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
repeal or modification of this Article VI or adoption or modification of any other provision of this Declaration inconsistent with this
Article VI shall be prospective only to the extent that such repeal or modification would, if applied retroactively, adversely affect
any limitation on the liability of any person or indemnification or right to advancement of any expense available to any person with respect
to any act or omission that occurred prior to such repeal, modification or adoption.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 6.5&#9;<U>Compromise Payment</U>. As to any matter
disposed of (whether by a compromise payment, pursuant to a consent decree or otherwise) without a final decision on the merits by a court,
or by any other body before which the proceeding was brought, that such indemnified person either did not act in good faith in the reasonable
belief that his action was in the best interests of the Trust or is liable to the Trust or its shareholders by reason of willful misfeasance,
bad faith, gross negligence or reckless disregard of the duties involved in the conduct of his office, indemnification shall be provided
if (i) approved as in the best interests of the Trust by a majority of the Disinterested Trustees upon a determination, based upon a review
of readily available facts (as opposed to a full trial-type inquiry) that such indemnified person acted in good faith in the reasonable
belief that his action was in the best interests of the Trust and is not liable to the Trust or its shareholders by reason of willful
misfeasance, bad faith, gross negligence or reckless disregard of the duties involved in the conduct of his office, or (ii) there has
been obtained an opinion of independent legal counsel, based upon a review of the readily available facts (as opposed to a full trial-type
inquiry), to the effect that such indemnified person appears to have acted in good faith in the reasonable belief that his action was
in the best interests of the Trust and that such indemnification would not protect such indemnified person against any liability to the
Trust to which he would otherwise be subject by reason of willful misfeasance, bad faith, gross negligence or reckless disregard of the
duties involved in the conduct of his office. Any such approval or opinion shall not prevent the recovery from any indemnified person
of any amount paid to such indemnified person in accordance with this Article if such indemnified person is subsequently adjudicated by
a court of competent jurisdiction not to have acted in good faith in the reasonable belief that his action was in the best interests of
the Trust or to have been liable to the Trust or its shareholders by reason of willful misfeasance, bad faith, gross negligence or reckless
disregard of the duties involved in the conduct of his office.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 6.6&#9;<U>Indemnification Not Exclusive, etc</U>.
The right of indemnification provided by this Article shall not be exclusive of or affect any other rights to which any indemnified person
may be entitled. Nothing contained in this Article shall affect any rights to indemnification to which personnel of the Trust, other than
Trustees or officers, and other</P>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0pt">persons may be entitled by contract or otherwise under
law, nor the power of the Trust to purchase and maintain liability insurance on behalf of any such person.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 6.7&#9;<U>Indemnification of Shareholders</U>.
If any Shareholder or former Shareholder shall be held to be personally liable solely by reason of being or having been a Shareholder
and not because of such Shareholder&rsquo;s acts or omissions or for some other reason, the Shareholder or former Shareholder (or his/her
heirs, executors, administrators or other legal representatives, or in the case of a corporation or other entity, its corporate or other
general successor) shall be entitled to be held harmless from and indemnified against all loss and expense arising from such liability.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase">Article
VII</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt">MISCELLANEOUS</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 7.1&#9;<U>Duration and Termination</U>. Unless
terminated as herein provided, the Trust shall continue without limitation of time. The Trust may not be terminated unless authorized
at a meeting of Shareholders called for the purpose, by the vote of the holders of at least 67% of the Shares then outstanding, provided,
however, if such termination is recommended by more than 75% of the total number of Trustees then in office, the vote of at least a majority
of the Shares then outstanding shall be sufficient authorization. Subject to the provisions of the Declaration of Trust and By-Laws regarding
the powers, preferences or special or relative rights or privileges of any Class or Series of Shares, the Trust may also be terminated
by the Trustees upon notice to Shareholders by means of an instrument in writing signed by a majority of Trustees stating that a majority
of Trustees has determined that the continuation of the Trust is not in the best interest of the Trust or its Shareholders. Upon termination
of the Trust, after paying or otherwise providing for all charges, taxes, expenses and liabilities, whether due or accrued or anticipated,
the Trust shall in accordance with such procedures as the Trustees consider appropriate reduce the remaining assets to distributable form
in cash, securities or other property, or any combination thereof, and distribute the proceeds to the Shareholders, ratably according
to the number of Shares held by the several Shareholders on the date of termination, except to the extent otherwise required or permitted
by the relative preferences, rights and privileges of any Classes or Series of Shares, provided that any distribution to the Shareholders
of a particular Class or Series of Shares shall be made to such Shareholders pro rata in proportion to the number of Shares of such Class
or Series held by each of them.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 7.2&#9;<U>Reorganization</U>. The Trust may not
merge or consolidate with any other corporation, association, trust or other organization, or sell, lease or exchange all or substantially
all of its assets, including its good will, and thereafter be terminated, unless authorized at a meeting of Shareholders called for the
purpose, by the vote of at least 67% of the Shares then outstanding, provided, however, if such termination is recommended by more than
75% of the total number of Trustees then in office, the vote of at least a majority of the Shares then outstanding shall be sufficient
authorization. Nothing contained herein shall be construed as requiring approval of Shareholders for any sale of assets in the ordinary
course of business of the Trust.</P>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 7.3&#9;<U>Conversion</U>. The Trust may not be
converted from a &ldquo;closed-end company&rdquo; to an &ldquo;open-end company&rdquo; as those terms are defined in the 1940 Act unless
authorized by the vote of at least a majority of the Shares then outstanding at a meeting of Shareholders called for such purpose; provided
that such conversion has been approved by the vote of more than 75% of the total number of Trustees then in office. If the conversion
from a closed-end company to an open-end company is not approved by a vote of more than 75% of the total number of Trustees then in office,
such conversion may be authorized by (x) the vote of at least a majority of the total number of Trustees then in office and (y) the vote
of at least 75% of the Shares then outstanding, voting at a meeting of Shareholders called for such purpose. Upon the adoption of such
proposal and related amendments by the Trust&rsquo;s Shareholders and Trustees as provided above, the Trust shall, upon complying with
any requirements of the 1940 Act and state law, become an &ldquo;open-end&rdquo; investment company. Such affirmative vote or consent
shall be in addition to the vote or consent of the Shareholders otherwise required by law or any agreement between the Trust and any national
securities exchange.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 7.4&#9;<U>Amendments, etc.</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(a) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All rights
granted to the Shareholders under this Declaration of Trust are granted subject to the reservation to the Trustees of the right to amend
this Declaration of Trust as herein provided, except that no amendment shall repeal or adversely affect the limitation on personal liability
of any Shareholder or Trustee, or the prohibition of assessment upon the Shareholders except as herein provided, without the express consent
of each Shareholder or Trustee involved. Subject to the foregoing and to the specific rights of amendment reserved to Shareholders as
set forth in paragraph (b) to this Section 7.4, this Declaration of Trust may be amended at any time by the Trustees without approval
of the Shareholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(b) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Trustees
may not amend this Declaration of Trust to eliminate the rights of Shareholders of any Class or Series as set forth in this Section 7.4(b)
to vote on any amendment of this Declaration of Trust or the By-Laws or alter or amend the percentage of voting Shares required to approve
any amendment or action which requires a specific Shareholder vote under this Declaration of Trust or the By-Laws unless an equivalent
vote has authorized such an amendment of the Declaration of Trust or By-Laws. Any amendment which adversely affects the holders of one
or more Classes or Series of Shares shall require a vote of the Shareholders holding a majority of the Shares of each Class or Series
so adversely affected and entitled to vote thereon and no vote of Shareholders of any Class or Series not so adversely affected shall
be required, except that any amendment of any provision of</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section
7.1, 7.2 or this subclause (i) of Section 7.4 of Article VII shall require a vote of the Shareholders holding 67% of the shares of each
Class and Series entitled to vote thereon, regardless of the percentage of Trustees recommending such amendment, or</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section
4.1(a), Section 4.1(c) or Section 4.1(d) of Article IV, Section 5.4 of Article V or this subclause (ii) of Section 7.4 of Article VII
shall require the vote of the Shareholders holding 75% of the shares of each Class and Series entitled to vote thereon, regardless of
the percentage of Trustees recommending such amendment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: 36pt">&nbsp;</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0pt">Any amendment of any provision of Section 7.3 of Article
VII shall require (x) the vote of a majority of the total number of Trustees then in office if such amendment is approved by a vote of
at least 75% of the Shares then outstanding or (y) the vote of more than 75% of the total number of Trustees then in office, if such amendment
is approved by a vote of a majority of the Shares then outstanding.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A certificate
signed by a majority of the Trustees setting forth an amendment and reciting that it was duly adopted by the Shareholders or by the Trustees
as aforesaid or a copy of the Declaration, as amended, and executed by a majority of the Trustees, shall be conclusive evidence of such
amendment when lodged among the records of the Trust.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Trust&rsquo;s
filings with the Securities and Exchange Commission (including but not limited to: registration statements and supplements thereto, proxy
statements, annual and semi-annual shareholder reports, Form N-Q, Form N-PX and related filings and disclosures) shall not be deemed to
modify the provisions of this Declaration of Trust.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 7.5&#9;<U>Filing of Copies</U>. The original
or a copy of this instrument and of each amendment hereto shall be kept at the principal office of the Trust where it may be inspected
by any Shareholder. A copy of this instrument and of each amendment hereto shall be filed by the Trust with the Secretary of State of
The Commonwealth of Massachusetts and may be filed with any other governmental office where such filing may from time to time be required
or is desirable, but the failure to make any such filing shall not impair the effectiveness of this instrument or any such amendment.
Anyone dealing with the Trust may relay on a certificate by an officer of the Trust as to whether or not any such amendments have been
made, as to the identities of the Trustees and officers, and as to matters in connection with the Trust hereunder, and, with the same
effect as if it were the original, may rely on a copy certified by an officer of the Trust to be a copy of this instrument or of any such
amendments.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 7.6&#9;<U>Applicable Law</U>. This Declaration
of Trust is made in The Commonwealth of Massachusetts, and it is created under and is to be governed by and construed and administered
according to the laws of said Commonwealth.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 7.7&#9;<U>References; Gender; Headings; Counterparts</U>.
In this instrument and in any amendment, references to this instrument, and all expressions like &ldquo;herein,&rdquo; &ldquo;hereof,&rdquo;
and &ldquo;hereunder&rdquo; shall be deemed to refer to this instrument as a whole as the same may be amended or affected by any such
amendments. The masculine gender shall include the feminine and neuter genders. Headings are placed herein for convenience of reference
only and shall not be taken as a part hereof or control or affect the meaning, construction or effect of this instrument. This instrument
may be executed in any number of counterparts each of which shall be deemed an original.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">Section 7.8&#9;<U>Provisions in Conflict with Law or
Regulations.</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The provisions
of this Declaration are severable, and if the Trustees shall determine, with the advice of counsel, that any of such provisions is in
conflict with requirements of the 1940 Act, would be inconsistent with any of the conditions necessary for qualification of the Trust
as a regulated investment company under the United States Internal</P>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0pt">Revenue Code or is inconsistent with other applicable
laws and regulations or the rules of any securities exchange on which the Shares are listed, such provision shall be deemed never to have
constituted a part of this Declaration, provided that such determination shall not affect any of the remaining provisions of this Declaration
or render invalid or improper any action taken or omitted prior to such determination.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If any provision
of this Declaration shall be held invalid or unenforceable in any jurisdiction, such invalidity or unenforceability shall attach only
to such provision in such jurisdiction and shall not in any manner affect such provision in any other jurisdiction or any other provision
of this Declaration in any jurisdiction.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">(THE REMAINDER OF THIS SPACE HAS BEEN INTENTIONALLY
LEFT BLANK)</P>



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    <!-- Field: /Page -->


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 44.4pt">IN WITNESS WHEREOF, the undersigned have executed this instrument
as of the 22<SUP>nd</SUP> day of January, 2016.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 46%; border-bottom: Black 1pt solid; padding-right: 3.6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ James M. Oates</FONT></TD>
    <TD STYLE="width: 8%; padding-right: 3.6pt">&nbsp;</TD>
    <TD STYLE="width: 46%; border-bottom: Black 1pt solid; padding-right: 3.6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Charles L. Bardelis</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">James M. Oates</FONT></TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Charles L. Bardelis</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">As Trustee and not individually,</FONT></TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">As Trustee and not individually,</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">601 Congress Street</FONT></TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">601 Congress Street</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Boston, MA 02210</FONT></TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Boston, MA 02210</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Peter S. Burgess</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ William H. Cunningham</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Peter S. Burgess</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">William H. Cunningham</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">As Trustee and not individually,</FONT></TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">As Trustee and not individually,</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">601 Congress Street</FONT></TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">601 Congress Street</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Boston, MA 02210</FONT></TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Boston, MA 02210</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Grace K. Fey</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Theron S. Hoffman</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Grace K. Fey</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Theron S. Hoffman</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">As Trustee and not individually,</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">As Trustee and not individually,</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">601 Congress Street</FONT></TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">601 Congress Street</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Boston, MA 02210</FONT></TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Boston, MA 02210</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Deborah C. Jackson</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Hassell H. McClellan</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Deborah C. Jackson</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Hassell H. McClellan</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">As Trustee and not individually,</FONT></TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">As Trustee and not individually,</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">601 Congress Street</FONT></TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">601 Congress Street</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Boston, MA 02210</FONT></TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Boston, MA 02210</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Steven R .Pruchansky</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Gregory A. Russo</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Steven R .Pruchansky</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Gregory A. Russo</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">As Trustee and not individually,</FONT></TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">As Trustee and not individually,</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">601 Congress Street</FONT></TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">601 Congress Street</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Boston, MA 02210</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Boston, MA 02210</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ James R. Boyle</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Craig Bromley</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">James R. Boyle</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Craig Bromley</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">As Trustee and not individually,</FONT></TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">As Trustee and not individually,</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">601 Congress Street</FONT></TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">601 Congress Street</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Boston, MA 02210</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Boston, MA 02210</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Warren A. Thomson</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Warren A. Thomson</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">As Trustee and not individually,</FONT></TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 3.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">601 Congress Street</FONT></TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Boston, MA 02210</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>


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<DOCUMENT>
<TYPE>EX-99.(2)(A)(1)
<SEQUENCE>3
<FILENAME>jhfof-html3755_ex992a1.htm
<DESCRIPTION>AMENDMENT DATED DECEMBER 13, 2018 TO THE AMENDED AND RESTATED AGREEMENT AND DECLARATION OF TRUST DATED JANUARY 22, 2016
<TEXT>
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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: right">EXHIBIT (2)(a)(1)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">AMENDMENT TO DECLARATION OF TRUST</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">John Hancock Financial Opportunities Fund</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">To the Secretary of State of</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Commonwealth of Massachusetts</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.5in">It is hereby stated that:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1.</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">This document constitutes an Amendment to the Amended and Restated Declaration
of Trust (hereinafter called the &#8220;Declaration&#8221;) of John Hancock Financial Opportunities Fund (hereinafter called the &#8220;business
trust&#8221;).</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2.</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The Declaration amended by this document was filed with the Secretary of State
of the Commonwealth of Massachusetts on February 8, 2016.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">3.</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The amendment to the Declaration effected by this document is as follows:</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt">The principal office address as stated on the front cover of the
Declaration has been changed effective December 31, 2018:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 108pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt">200 Berkeley Street</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt">Boston, Massachusetts 02116</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">4.</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The amendment herein provided for was authorized in accordance with law.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">IN WITNESS WHEREOF, the undersigned has signed these presents all on December
13, 2018.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/ Mara Moldwin</FONT></TD>
    <TD STYLE="width: 50%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Mara Moldwin</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Authorized Signatory</FONT></TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">(This document may be executed by an officer of the business trust.)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"></P>

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<DOCUMENT>
<TYPE>EX-99.(2)(B)
<SEQUENCE>4
<FILENAME>jhfof-html3755_ex992b.htm
<DESCRIPTION>AMENDMENT DATED MARCH 10, 2016 TO THE AMENDED AND RESTATED BY-LAWS DATED SEPTEMBER 27, 2013
<TEXT>
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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: right">EXHIBIT (2)(b)</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>AMENDED AND RESTATED BY-LAWS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>OF</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>JOHN HANCOCK FINANCIAL OPPORTUNITIES FUND</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>SEPTEMBER
27, 2013</B></P>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">TABLE OF CONTENTS</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 93%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 7%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><U>Page</U></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ARTICLE I - DEFINITIONS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ARTICLE II - OFFICES</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 2.1&nbsp;&nbsp;Principal Office</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 2.2&nbsp;&nbsp;Other Offices</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ARTICLE III - SHAREHOLDERS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 3.1&nbsp;&nbsp;Meetings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 3.2&nbsp;&nbsp;Conduct of Meetings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 3.3&nbsp;&nbsp;Annual Meetings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 3.4&nbsp;&nbsp;Special Meetings.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 3.5&nbsp;&nbsp;Notice of Meetings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 3.6&nbsp;&nbsp;Postponements; Adjournments</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 3.7&nbsp; Proxies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 3.8&nbsp;&nbsp;Nominations and Proposals by Shareholders.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 3.9&nbsp;&nbsp;Quorum and Required Vote</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 3.10&nbsp;&nbsp;Abstentions and Broker Non-Votes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">11</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 3.11 &nbsp;Inspectors of Election</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">11</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 3.12&nbsp;&nbsp;Action without Meeting</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">11</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 3.13&nbsp;&nbsp;Record Date</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">13</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ARTICLE IV - TRUSTEES</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">14</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 4.1&nbsp;&nbsp;Meetings of the Trustees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">14</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 4.2&nbsp;&nbsp;Term of Office of Trustees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">14</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 4.3&nbsp;&nbsp;Quorum and Manner of Acting</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 4.4&nbsp;&nbsp;Retirement Age</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 4.5&nbsp;&nbsp;Chairman of the Trustees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 4.6&nbsp;&nbsp;Powers and Duties of the Vice Chairman</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 4.7&nbsp; Interested Trustees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 4.8&nbsp;&nbsp;Governance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 4.9&nbsp;&nbsp;Records</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 4.10 Incorporation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ARTICLE V - COMMITTEES</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 5.1&nbsp;&nbsp;Executive and Other Committees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 5.2&nbsp;&nbsp;Meetings, Quorum and Manner of Acting</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">17</FONT></TD></TR>
  </TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 93%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ARTICLE VI - OFFICERS</FONT></TD>
    <TD STYLE="width: 7%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 6.1 General Provisions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 6.2 Election, Term of Office and Qualifications</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 6.3 Resignation; Removal</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 6.4 Powers and Duties of the President</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 6.5 Powers and Duties of Vice Presidents</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 6.6 Powers and Duties of the Treasurer</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 6.7 Powers and Duties of the Secretary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 6.8 Powers and Duties of Assistant Treasurers</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 6.9 Powers and Duties of Assistant Secretaries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 6.10 Compensation of Officers and Trustees and Members of the Advisory Board</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 6.11 Designation of Principal Accounting Officer(s) and Principal Financial Officer(s)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ARTICLE VII - SHARES OF BENEFICIAL INTEREST</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 7.1 Share Certificates</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 7.2 Regulations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 7.3 Lost, Destroyed or Mutilated Certificates</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">19</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 7.4 Disclosure of Holdings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 7.5 Register of Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 7.6 Transfer of Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ARTICLE VIII - INDEMNIFICATION</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 8.1&nbsp;&nbsp;Indemnification of Employees and Agents</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 8.2 Indemnification Agreements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ARTICLE IX - TERMS OF COMMON SHARES</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 9.1 Common Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ARTICLE X - FISCAL YEAR</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ARTICLE XI - INSPECTION OF BOOKS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ARTICLE XII - SEAL</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ARTICLE XIII - REPORTS TO SHAREHOLDERS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ARTICLE XIV - SUFFICIENCY AND WAIVERS OF NOTICE</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ARTICLE XV - PROVISIONS IN CONFLICT WITH LAW OR REGULATION</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 15.1 Severability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 15.2 Invalidity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">22</FONT></TD></TR>
  </TABLE>

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    <TD STYLE="width: 93%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ARTICLE XVI - GOVERNING LAW</FONT></TD>
    <TD STYLE="width: 7%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ARTICLE XVII - AMENDMENTS</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ARTICLE XVIII &#8211; NET ASSET VALUE</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">23</FONT></TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>AMENDED AND RESTATED BY-LAWS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>OF</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>JOHN HANCOCK FINANCIAL OPPORTUNITIES FUND</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>SEPTEMBER
27, 2013</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1.45pt 28.25pt 0 5pt; text-indent: 35.95pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-indent: 35.95pt">The Amended and Restated By-Laws
(the &#8220;By-Laws&#8221;) of the John Hancock Financial Opportunities Fund (the &#8220;Trust&#8221;) have been adopted pursuant to the
authority granted by the Trust&#8217;s Agreement and Declaration of Trust dated June 16, 1994, as amended or restated from time to time
(the &#8220;Declaration of Trust&#8221;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1.45pt 28.25pt 0 5pt; text-indent: 35.95pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>ARTICLE I - DEFINITIONS</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">All capitalized
terms used and not defined herein have the respective meanings given them in the Declaration of Trust.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">&#8220;Board of Trustees&#8221; shall
have the meaning set forth in Section 3.8.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 109.5pt 0 41pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">&#8220;Broker Non-Vote&#8221; shall
have the meaning set forth in Section 3.10.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 109.5pt 0 41pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">&#8220;Business
Day&#8221; means a day on which the New York Stock Exchange is open for trading and which is not a Saturday, Sunday or other day on which
commercial banks in New York City, New York are required or authorized by law to close.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">&#8220;Common Shares&#8221; shall mean the Trust&#8217;s common
Shares.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">&#8220;Custodian&#8221; shall mean any
Person other than the Trust who has custody of any Trust Property as required by Section 17(f) of the 1940 Act, but does not include a
system for the central handling of securities described in said Section 17(f).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; text-indent: 35.95pt">&#8220;Delivery Date&#8221; shall have the meaning set forth in
Section 3.4.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; text-indent: 35.95pt">&#8220;Exchange
Act&#8221; shall mean the Securities Exchange Act of 1934, as amended from time to time.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; text-indent: 35.95pt">&#8220;Hedging Activities&#8221; shall have the meaning set
forth in Section 3.8.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">&#8220;Independent
Trustee&#8221; shall mean a Trustee who is not an &#8220;interested person&#8221; as defined under Section 2(a)(19) of the 1940 Act.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; text-indent: 35.95pt">&#8220;Meeting Record Date&#8221; shall have the meaning set
forth in Section 3.4.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 96.2pt 0 41pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; text-indent: 35.95pt">&#8220;NYSE&#8221; shall mean the New York Stock Exchange.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">&#8220;Outstanding Shares&#8221;
shall mean those Shares shown from time to time on the books of the Trust or its transfer agent as then issued and outstanding, but shall
not include Shares which have been redeemed or repurchased by the Trust and which are at the time held in the treasury of the Trust.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">&#8220;Person&#8221; shall mean and include
individuals, corporations, partnerships, trusts, associations, joint ventures and other entities, whether or not legal entities, and governments
and agencies and political subdivisions thereof.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; text-indent: 35.95pt">&#8220;Preferred Shares&#8221; shall have the meaning set forth
in Section 9.1(a).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">&#8220;Proposed Nominee&#8221; shall mean
each person whom a Shareholder proposes to nominate for election as a Trustee.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">&#8220;Proposed Nominee Associated Person&#8221;
of any Proposed Nominee shall mean (A) any Person acting in concert with such Proposed Nominee, (B) any direct or indirect beneficial
owner of Shares owned of record or beneficially by such Proposed Nominee or Person acting in concert with the Proposed Nominee and (C)
any Person controlling, controlled by or under common control with such Proposed Nominee or a Proposed Nominee Associated Person.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; text-indent: 35.95pt">&#8220;public announcement&#8221; shall have the meaning set forth
in Section 3.8.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">&#8220;Shareholder Associated Person&#8221; of any beneficial
or record holder of Shares shall mean (A) any Person acting in concert with such
shareholder, (B) any direct or indirect beneficial owner of Shares owned of record or beneficially by such shareholder or any Person
acting in concert with such shareholder, (C) any Person controlling, controlled by or under common control with such shareholder or
a Shareholder Associated Person and (D) any member of the immediate family of such shareholder or Shareholder Associated Person.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 24.65pt 0 5pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; text-indent: 35.95pt">&#8220;Shareholder Requested Meeting&#8221; shall have
the meaning set forth in Section 3.4.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 44.95pt 0 41pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">&#8220;Special Meeting in
Lieu of an Annual Meeting&#8221; shall mean a special meeting of Shareholders called by Trustees for the purpose of electing
Trustees in the event that an annual meeting is not held on or before such date as may be required by the 1940 Act, the NYSE or such
other exchange or trading system on which shares are principally traded, if applicable.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; text-indent: 35.95pt">&#8220;Special Meeting Percentage&#8221; shall have the meaning
set forth in Section 3.4.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 65.45pt 0 41pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; text-indent: 35.95pt">&#8220;Special Meeting Request&#8221; shall have the meaning set forth in Section 3.4.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 65.45pt 0 41pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">&#8220;Trust Property&#8221; shall mean
any and all property, real or personal, tangible or intangible, which is owned or held by or for the account of the Trust or the Trustees,
including any and all assets of or allocated to any Class or Series, as the context may require.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; text-indent: 35.95pt">&#8220;Written Request&#8221; shall have the meaning set forth
in Section 3.12.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>ARTICLE II - OFFICES</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 2.1 Principal Office</U>.
Until changed by the Trustees, the principal office of the Trust shall be in Boston, Massachusetts.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 2.2 Other Offices</U>. The Trust
may have offices in such other places without as well as within the Commonwealth of Massachusetts as the Trustees may from time to time
determine.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 10pt 0 5pt; text-indent: 35.95pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>ARTICLE III - SHAREHOLDERS</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 3.1 Meetings</U>. Meetings
of the Shareholders of the Trust or a Series or Class thereof shall be held as provided in the Declaration of Trust or required by the
1940 Act at such place within or without the Commonwealth of Massachusetts as the Trustees shall designate.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 3.2 Conduct of Meetings</U>.
The Trustees may adopt by resolution such rules and regulations for the conduct of any meeting of the Shareholders as they shall deem
appropriate. Except to the extent inconsistent with such rules and regulations as adopted by the Trustees, the chair of any meeting of
the Shareholders shall have the right and authority to prescribe such rules, regulations and procedures and to do all such acts as, in
the judgment of such chair, are appropriate for the proper conduct of the meeting. Such rules, regulations or procedures, whether adopted
by the Trustees or prescribed by the chair of the meeting, may include, without limitation, the following: (a) the establishment of an
agenda or order of business for the meeting; (b) the determination of when the polls shall open and close for any given matter to be voted
on at the meeting; (c) rules and procedures for maintaining order at the meeting and the safety of those present; (d) limitations on attendance
at and participation in the meeting to Shareholders, their duly authorized and constituted proxies or such other persons as the chair
of the meeting shall determine; (e) restrictions on entry to the meeting after the time fixed for the commencement thereof; (f) limitations
on the time allotted to questions or comments by Shareholders; and (g) the extent to which, if any, other participants are permitted to
speak.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 3.3 Annual Meetings</U>.
To the extent required by the 1940 Act or the rules and regulations of the NYSE, or such other exchange or trading system on which the
Shares are principally traded, annual meetings of the Shareholders of the Trust or a Series or Class thereof shall be held on such date
and at such time as the Trustees shall designate.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; text-indent: 35.95pt"><U>Section 3.4 Special Meetings</U>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.45pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Special
meetings of the Shareholders may be called at any time by the Chairman, the President, any Vice President or will be called by the President
or the Secretary at the request, in writing or by resolution, of a Majority of the Trustees. Subject to subsection (b) of this Section
3.4, a special meeting of Shareholders shall also be called by the President or the Secretary of the Trust upon the written request of
the Shareholders holding twenty-five percent (25%) or more of the total number of the Outstanding Shares of the Trust entitled to vote
at such meeting.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
order for any Shareholder to request a special meeting, one or more written requests for a special meeting signed by Shareholders (or
their duly authorized agents) as of the date of such request entitled to cast not less than twenty-five percent (25%) (the &#8220;Special
Meeting Percentage&#8221;) of all of the votes entitled to be cast at such meeting (the &#8220;Special Meeting Request&#8221;) shall be
delivered to the Secretary by registered mail, return receipt requested. In addition, the Special Meeting Request shall set forth the
purpose of the meeting and the matters proposed to be acted on at the special meeting, shall bear the date of signature of each such Shareholder
(or other agent) signing the Special Meeting Request, shall set forth the name and address, as they appear in the Trust&#8217;s books,
of each Shareholder signing such request (or on whose behalf the Special Meeting Request is signed), the class and number of shares of
the Trust which are owned of record and beneficially by each such Shareholder, and shall set forth all information that each such Shareholder
and, with respect to the beneficial owners of Shares on whose behalf such request is being made, each such beneficial owner of Shares
would be required to disclose in a proxy statement or other filings required to be made in connection with solicitations of proxies with
respect to the proposed business to be brought before the meeting pursuant to Section 14 of the Securities Exchange Act of 1934 (the &#8220;Exchange
Act&#8221;), as well as the additional information required by 3.8(b) of these By-Laws. Proof of the requesting Shareholder&#8217;s or
Shareholders&#8217; ownership of Shares at the time of request for a special meeting must accompany the Special Meeting Request. Any requesting
Shareholder may revoke his, her or its request for a special meeting at any time by written revocation delivered to the Secretary.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Secretary shall inform the requesting Shareholders of the reasonably estimated cost of preparing and mailing the notice of meeting (including
the Trust&#8217;s proxy materials). The Secretary shall not be required to call a special meeting upon Shareholder request and such meeting
shall not be held unless, in addition to the documents required by paragraph (b) of this Section 3.4, the Secretary receives payment of
such reasonably estimated cost prior to the mailing of any notice of the meeting.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as provided in the next sentence, any special meeting shall be held at such place, date and time as may be designated by the Chairman,
the President, the Vice President or the Trustees, whoever has called for the meeting. In the case of any special meeting called by the
President or the Secretary upon the request of Shareholders (a &#8220;Shareholder Requested Meeting&#8221;), such meeting shall be held
at such place, date and time as may be designated by the Trustees; provided, however, that the date of any Shareholder Requested Meeting
shall be not more than ninety (90) days after the record date for such meeting (the &#8220;Meeting Record Date&#8221;); and provided further
that if the Trustees fail to designate, within thirty (30) days after the date that a valid and complete Special Meeting Request is actually
received by the Secretary (the &#8220;Delivery Date&#8221;), a date and time for a Shareholder Requested Meeting, then such meeting shall
be held at 2:00 p.m. Eastern Time on the ninetieth (90<SUP>th</SUP>) day after the date the valid and complete request for such meeting
is actually received by the Trust or, if such ninetieth (90<SUP>th</SUP>) day is not a Business Day, on the first preceding Business Day;
and provided further that in the event that the Trustees fail to designate a place for a Shareholder Requested Meeting within thirty (30)
days after the Delivery Date, then such meeting shall be held at the principal executive offices of the Trust. In fixing a date for any
special meeting, the Chairman, the President, the Vice President or the Trustees may consider such factors as he, she, or they deem(s)
relevant within the good faith exercise of business judgment, including, without limitation, the nature of the matters to be considered,
the facts and circumstances surrounding any request for a meeting and any plan of</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 0pt">the Trustees to call an
annual meeting or a special meeting. In the case of any Shareholder Requested Meeting, if the Trustees fail to fix a Meeting Record
Date that is a date within thirty (30) days after the Delivery Date, then the close of business on the thirtieth (30<SUP>th</SUP>)
day after the Delivery Date shall be the Meeting Record Date or if such thirtieth (30<SUP>th</SUP>) day after the Delivery Date is
not a Business Day, the close of business on the first Business Day following such date shall be the Meeting Record Date.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
at any time as a result of written revocations of requests for the special meeting, Shareholders (or their duly authorized agents) entitled
to cast less than the Special Meeting Percentage shall have delivered and not revoked requests for a special meeting, the Secretary may
refrain from mailing the notice of the meeting or, if the notice of the meeting has been mailed, the Secretary may revoke the notice of
the meeting at any time before the meeting by notice sent to all other requesting Shareholders. Any request for a special meeting received
after a revocation by the Secretary of a notice of a meeting shall be considered a request for a new special meeting.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Chairman, the President, the Vice President or the Trustees may appoint regionally or nationally recognized independent inspectors of
elections to act as the agent of the Trust for the purpose of promptly performing a ministerial review of the validity of any purported
Special Meeting Request received by the Secretary. For the purpose of permitting the inspectors to perform such review, no such purported
request shall be deemed to have been delivered to the Secretary until such date as the independent inspectors certify to the Trust that
the valid requests received by the Secretary represent at least 25% or more of the issued and Outstanding Shares of stock that would be
entitled to vote at such meeting. Nothing contained in this paragraph (f) shall in any way be construed to suggest or imply that the Trust
or any Shareholder shall not be entitled to contest the validity of any request, whether before or after such certification by the independent
inspectors, or to take any other action (including, without limitation, the commencement, prosecution or defense of any litigation with
respect thereto, and the seeking of injunctive relief in such litigation).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 3.5 Notice of
Meetings</U>. Notice of all meetings of the Shareholders, stating the time, place and purposes of the meeting, shall be given by the
Trustees by mail, telegraphic or electronic means to each Shareholder at such Shareholder&#8217;s address as recorded on the
register of the Trust mailed or, if the notice is provided electronically, furnished or delivered at least seven
(7) days before the meeting, <U>provided</U>, <U>however</U>, that notice of a meeting need
not be given to a Shareholder to whom such notice need not be given under the proxy rules of the Commission under the 1940 Act and
the Exchange Act. No notice need be given to any Shareholder who shall have failed to inform the Trust of such Shareholder&#8217;s
current address or if a written waiver of notice, executed before or after the meeting by the Shareholder or such
Shareholder&#8217;s attorney thereunto authorized, is filed with the records of the meeting.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 3.6 Postponements; Adjournments</U>.
The Trustees may, prior to a meeting of Shareholders being convened, postpone such meeting from time to time to a date that is a reasonable
time after the date set for the original meeting. The chair of any meeting of the Shareholders may adjourn the meeting from time to time
to reconvene at the same or some other place, and notice need not be given of any such adjourned meeting if the date, time and place are
announced at the meeting at which the adjournment is taken. At the adjourned meeting, the</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 0pt">Trust may transact such business which properly may have
been transacted at the original meeting. Any adjourned meeting may be held as adjourned one or more times without further notice on a
date that is a reasonable time after the date of the original meeting. If after the adjournment a new record date is fixed for the adjourned
meeting, notice of the adjourned meeting in accordance with the requirements of this Section 3.6 shall be given to each Shareholder entitled
to vote at the meeting and each other Shareholder entitled to notice of the meeting.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 3.7 Proxies</U>. At any
meeting of Shareholders, any holder of Shares entitled to vote thereat may vote by proxy, provided that no proxy shall be voted at
any meeting unless it shall have been placed on file with the Secretary, or with such other officer or agent of the Trust as the
Secretary may direct, for verification prior to the time at which such vote shall be taken. A proxy shall be deemed signed if the
Shareholder&#8217;s name is placed on the proxy (whether by manual signature, typewriting or telegraphic transmission or other
electronic means) by the Shareholder or the Shareholder&#8217;s attorney-in-fact. Proxies may be solicited in the name of one or
more Trustees or one or more of the officers of the Trust. Only Shareholders of record shall be entitled to vote. When any Share is
held jointly by several Persons, any one of them may vote at any meeting in person or by proxy in respect of such Share, but if more
than one of them shall be present at such meeting in person or by proxy, and such joint owners or their proxies so present disagree
as to any vote to be cast, such vote shall not be received in respect of such Share. A proxy, including a photographic or similar
reproduction thereof and a telegram, cablegram, wireless, electronic or similar transmission thereof, purporting to be executed by
or on behalf of a Shareholder shall be deemed valid unless challenged at or prior to its exercise, and the burden of proving
invalidity shall rest on the challenger. If the holder of any such Share is a minor or a person of unsound mind, and subject to
guardianship or the legal control of any other person as regards the charge or management of such Share, he or she may vote by such
Shareholder&#8217;s guardian or such other person appointed or having such control, and such vote may be given in person or by
proxy. The placing of a Shareholder&#8217;s name on a proxy pursuant to telephonic or electronically transmitted instructions
obtained pursuant to procedures reasonably designed to verify that such instructions have been authorized by such Shareholder shall
constitute execution of such proxy by or on behalf of such Shareholder.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; text-indent: 35.95pt"><U>Section 3.8 Nominations and Proposals by Shareholders.</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Annual
Meetings of Shareholders; Special Meeting in Lieu of an Annual Meeting. Nominations of persons for election as a Trustee and the proposal
of other business to be considered by the Shareholders may be made at an annual meeting of Shareholders or Special Meeting in Lieu of
an Annual Meeting (i) pursuant to the Trust&#8217;s notice of meeting (or any supplement thereto), (ii) by or at the direction of the
Trustees or any committee thereof or (iii) by any Shareholder of the Trust who was a Shareholder both at the time of giving of notice
provided for in this Section 3.8(a) and at the time of the annual meeting or Special Meeting in Lieu of an Annual Meeting, who is entitled
to vote at the meeting and who complies with the notice procedures set forth in this Section 3.8(a).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">For nominations for election to
the Trustees or other business to be properly brought before an annual meeting or a Special Meeting in Lieu of an Annual Meeting by a
Shareholder pursuant to this Section 3.8(a), the Shareholder must have given timely notice thereof in writing</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left">to the Secretary of the Trust and any such proposed business
must otherwise be a proper matter for Shareholder action. To be timely, a Shareholder&#8217;s notice must be delivered to the Secretary
of the Trust at the principal executive office of the Trust by not later than the close of business on the ninetieth (90<SUP>th</SUP>)
day prior to the first anniversary of the date of mailing of the notice for the preceding year&#8217;s annual meeting nor earlier than
the close of business on the one hundred twentieth (120<SUP>th</SUP>) day prior to the first anniversary of the date of mailing of the
notice for the preceding year&#8217;s annual meeting; <U>provided</U>, <U>however</U>, that in the event that the date of the mailing
of the notice for the annual meeting is advanced or delayed by more than thirty (30) days from the anniversary date of the mailing of
the notice for the preceding year&#8217;s annual meeting, notice by the Shareholder to be timely must be so delivered not later than the
tenth (10<SUP>th</SUP>) day following the day on which public announcement of the date such meeting is first made by the Trust, provided,
further, in the case of a Special Meeting in Lieu of an Annual Meeting, notice by the Shareholder to be timely must be so delivered not
later than the close of business on the tenth (10<SUP>th</SUP>) day following the day on which public announcement of the date of such
meeting is first made by the Trust. In no event shall the postponement of an annual meeting or Special Meeting in Lieu of Annual Meeting
or of an adjournment or postponement of an annual meeting or a Special Meeting in Lieu of an Annual Meeting to a later date or time commence
a new time period for the giving of a Shareholder&#8217;s notice as described above.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">A Shareholder&#8217;s notice with respect
to an annual meeting or a Special Meeting in Lieu of an Annual Meeting to be proper must set forth (i) as to each person whom the Shareholder
proposes to nominate for election or reelection as a trustee (A) the name, age, business address,residence address and principal occupation
or employment of such person and any Proposed Nominee Associated Person, (B) the class and number of shares of stock of the Trust that
are beneficially owned or owned of record by such person and any Proposed Nominee Associated Person, (C) the date such shares were acquired
and the investment intent of such acquisition, and (D) whether and the extent to which any derivative instrument, swap, option, warrant,
short interest, hedge or profit interest or other transaction has been entered into by or on behalf of such Proposed Nominee or any Proposed
Nominee Associated Person, with respect to Shares, (E) a representation as to whether such Proposed Nominee is an &#8220;interested person&#8221;
(as defined under Section 2(a)(19) of the 1940 Act) of the Trust and sufficient information about the Proposed Nominee to permit counsel
to the Trust to confirm such representation, including information with respect to each relationship set forth in Section 2(a)(19) of
the 1940 Act which may cause such Proposed Nominee to be an &#8220;interested person&#8221; (as defined under Section 2(a)(19) of the
1940 Act) of the Trust or a representation that no such relationship exists, (F) information to establish to the satisfaction of the Trust&#8217;s
board of Trustees (&#8220;Board of Trustees&#8221;) that the Proposed Nominee satisfies any Trustee qualifications that may from time
to time be adopted by the Board of Trustees, and (G) all other information relating to such person and any Proposed Nominee Associated
Person that is required to be disclosed in solicitations of proxies for election of trustees in an election contest, or is otherwise required,
in each case pursuant to Regulation 14A (or any successor provision) under the Exchange Act (including such person&#8217;s written consent
to being named in the proxy statement as a nominee and to serving as a trustee if elected); (ii) as to any other business that the Shareholder
proposes to bring before the meeting, a brief description of the business desired to be brought before the meeting, the text of the proposal
or business (including the text of any resolutions proposed for consideration), the reasons for conducting such business at the meeting
and any material interest in such business of such Shareholder and any Proposed Nominee Associated Person (including any anticipated benefit
to</P>


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<P STYLE="text-indent: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">the Shareholder and any Proposed Nominee Associated Person
therefrom) and of each beneficial owner, if any, on whose behalf the proposal is made; (iii) as to the Shareholder giving the notice and
each beneficial owner, if any, on whose behalf the nomination or proposal is made and any Shareholder Associated Person, (1) the name
and address of such Shareholder, as they appear on the Trust&#8217;s stock ledger and current name and address, if different, and of such
beneficial owner and any Shareholder Associated Person, (2) the class and number of Shares which are owned beneficially or of record by
such Shareholder and such beneficial owner and any Shareholder Associated Person, and the date such shares were acquired and the investment
intent of such acquisition, (3) whether and the extent to which any hedging or other transaction or series of transactions has been entered
into by or on behalf of, or any other agreement, arrangement or understanding (including any short position or any borrowing or lending
of shares) has been made, the effect or intent of which is to mitigate loss to or manage risk or benefit of share price changes for, or
to increase or decrease the voting power of, such Shareholder or beneficial owner or any Shareholder Associated Person with respect to
any Share (collectively &#8220;Hedging Activities&#8221;), (4) whether and the extent to which any derivative instrument, swap, option,
warrant, short interest or profit interest or other transaction has been entered into by or on behalf of such Shareholder or such beneficial
owner, or any Shareholder Associated Person, with respect to Shares, (5) a representation that the Shareholder giving notice intends to
appear in person or by proxy at the annual meeting or Special Meeting in Lieu of an Annual Meeting to bring such business before the meeting
(6) information relating to such Shareholder or such beneficial owner or any Shareholder Associated Person that would be required to be
disclosed in a proxy statement or other filing required to be made in connection with the solicitation of proxies by such person with
respect to the proposed business to be brought by such person before an annual meeting pursuant to Section 14 of the Exchange Act, (7)
the extent to which such Shareholder or such beneficial owner or any Shareholder Associated Person, if any, has engaged in Hedging Activities
with respect to shares or other equity interests of any other trust or company, and (8) a description of all agreements, arrangements,
or understandings (whether written or oral) between or among such Shareholder or such beneficial owner, or any Shareholder Associated
Person, and any other Person or Persons (including their names) in connection with the proposal of such business and any material interest
of such Shareholder or such beneficial owner or any Shareholder Associated Person, in such business, including any anticipated benefit
therefrom to such Shareholder or such beneficial owner, or any Shareholder Associated Person and (iv) to the extent known by the Shareholder
giving the notice, the name and address of any other Shareholder or beneficial owner supporting the nominee for election or reelection
as a Trustee or the proposal of other business on the date of such Shareholder&#8217;s notice. Notwithstanding anything in this paragraph
(a) of Section 3.8 to the contrary, in the event that the number of Trustees to be elected is increased and there is no public announcement
by the Trust of such action or specifying the size of the increased Trustees at least one hundred (100) days prior to the first anniversary
of the date of the preceding year&#8217;s annual meeting, a Shareholder&#8217;s notice required by this Section 3.8(a) shall also be considered
timely, but only with respect to nominees for any new positions created by such increase, if the notice is delivered to the Secretary
at the principal executive offices of the Trust not later than the close of business on the tenth (10<SUP>th</SUP>) day immediately following
the day on which such public announcement is first made by the Trust.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Special
Meetings of Shareholders. Only such business shall be conducted at a special meeting of Shareholders (other than any Special Meeting in
Lieu of an Annual Meeting) as shall</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">have been brought before the meeting (i) pursuant to the
Trust&#8217;s notice of meeting (or any supplement thereto), (ii) by or at the direction of the Trustees or any committee thereof or (iii)
by any Shareholder who was a Shareholder both at the time of giving of notice provided for in this Section 3.8(a) and at the time of the
special meeting, who is entitled to vote at the meeting and who complies with the notice procedures set forth in this Section 3.8(b).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">For any business to be properly brought
before a special meeting by a Shareholder pursuant to this Section 3.8(b) (other than nominations for election of Trustees which may only
be brought at an annual meeting or Special Meeting in Lieu of an Annual Meeting and in accordance with the provisions of Section 3.8(a)),
the Shareholder must have given timely notice thereof in writing to the Secretary of the Trust and any such proposed business must otherwise
be a proper matter for Shareholder action. To be timely, a Shareholder&#8217;s notice must be delivered to the Secretary of the Trust
at the principal executive office of the Trust by not later than the close of business on the tenth (10<SUP>th</SUP>) day following the
day on which public announcement is first made of the date of the special meeting. In no event shall the public announcement of a postponement
or adjournment of a special meeting to a later date or time commence a new time period for the giving of a Shareholder&#8217;s notice
as described above.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">A Shareholder&#8217;s notice with respect
to a special meeting to be proper must set forth: (i) as to any business that the Shareholder proposes to bring before the meeting, a
brief description of the business desired to be brought before the meeting, the text of the proposal or business (including the text of
any resolutions proposed for consideration), the reasons for conducting such business at the meeting and any material interest in such
business of such Shareholder and any Shareholder Associated Person (including any anticipated benefit to the Shareholder and any Shareholder
Associated Person therefrom) and of each beneficial owner, if any, on whose behalf the proposal is made, (ii) as to the Shareholder giving
the notice and each beneficial owner, if any, on whose behalf the nomination or proposal is made and any Shareholder Associated Person,
(1) the name and address of such Shareholder, as they appear on the Trust&#8217;s stock ledger and current name and address, if different,
and of such beneficial owner and any Shareholder Associated Person, (2) the Class and number of Shares which are owned beneficially or
of record by such Shareholder and such beneficial owner and any Shareholder Associated Person, and the date such shares were acquired
and the investment intent of such acquisition (3) whether the Shareholder or such beneficial owner or any Shareholder Associated Person
has engaged in any Hedging Activities , (4) whether and the extent to which any derivative instrument, swap, option, warrant, short interest
or profit interest or other transaction has been entered into by or on behalf of such Shareholder or such beneficial owner, or any Shareholder
Associated Person, with respect to Shares, (5) a representation that the Shareholder giving notice intends to appear in person or by proxy
at the annual meeting to bring such business before the meeting, (6) information relating to such Shareholder or such beneficial owner
or any Shareholder Associated Person that would be required to be disclosed in a proxy statement or other filing required to be made in
connection with the solicitation of proxies by such Shareholder or such beneficial owner or any Shareholder Associated Person with respect
to the proposed business to be brought by such person before the annual meeting pursuant to Section 14 of the Exchange Act, (7) the extent
to which such Shareholder or such beneficial owner or any Shareholder Associated Person, if any, has engaged in Hedging Activities with
respect to shares or other equity interests of any other trust or company, and (8) a description of all agreements, arrangements, or understandings
(whether written or oral) between or among such Shareholder or such beneficial owner, or any</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">Shareholder Associated Person, and any other person or
persons (including their names) in connection with the proposal of such business and any material interest of such Shareholder or such
beneficial owner or any Shareholder Associated Person, in such business, including any anticipated benefit therefrom to such person, or
any Shareholder Associated Person and(iii) to the extent known by the Shareholder giving the notice, the name and address of any other
Shareholder or beneficial owner supporting the nominee for election or reelection as a trustee or the proposal of other business on the
date of such Shareholder&#8217;s notice.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;General.
Only such persons who are nominated in accordance with the procedures set forth in Section 3.8(a) shall be eligible to serve as trustee,
and only such business shall be conducted at a meeting of Shareholders as shall have been brought before the meeting in accordance with
the procedures set forth in this Section 3.8, provided that nothing herein shall prohibit the Trustees from submitting matters to Shareholders
at any special meeting requested by any Shareholder. The chair of the meeting shall have the power and duty to determine whether a nomination
or any other business proposed to be brought before the meeting was made or proposed, as the case may be, in accordance with the procedures
set forth in this Section 3.8 and, if any proposed nomination or other business is not in compliance with this Section 3.8, to declare
that such nomination or proposal shall be disregarded. For purposes of this Section 3.8, the &#8220;date of mailing of the notice&#8221;
shall mean the date of the proxy statement for the solicitation of proxies for election of trustees and &#8220;public announcement&#8221;
shall mean disclosure (i) in a press release either transmitted to the principal securities exchange on which Shares are traded or reported
by a recognized news service or (ii) in a document publicly filed by the Trust with the Commission.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compliance
with State and Federal Law. Notwithstanding the foregoing provisions of this Section 3.8, a Shareholder shall also comply with all applicable
requirements of state law and of the Exchange Act and the rules and regulations thereunder with respect to the matters set forth in this
Section 3.8. Nothing in this Section 3.8 shall be deemed to affect any right of a Shareholder to request inclusion of a proposal in, nor
the right of the Trust to omit a proposal from, the Trust&#8217;s proxy statement pursuant to Rule 14a-8 (or any successor provision)
under the Exchange Act.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 3.9 Quorum and
Required Vote</U>. Except as otherwise provided by the Declaration of Trust or by law, to constitute a quorum for the transaction of
any business at any meeting of Shareholders, there must be present, in person or by proxy, holders of a majority of the total number
of Outstanding Shares of the Trust entitled to vote at such meeting; provided that if a Class (or Series) of Shares is entitled to
vote as a separate Class (or Series) on any matter, then in the case of that matter, a quorum shall consist of the holders of a
majority of the total number of Outstanding Shares of that Class (or Series) entitled to vote at the meeting. Shares owned directly
or indirectly by the Trust, if any, shall not be deemed outstanding for this purpose. Except as otherwise required by law or by the
Declaration of Trust or by these By- Laws, all matters shall be decided by a majority of the votes cast, as provided herein, by
persons entitled to vote thereon; and except as otherwise required by law or by the Declaration of Trust or by these By-Laws the
Trustees shall be elected by a plurality of the votes cast, as provided herein, by persons entitled to vote.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 3.10 Abstentions and Broker
Non-Votes</U>. Outstanding Shares represented in person or by proxy (including Broker Non-Votes and Shares which abstain with respect
to one or more proposals presented for Shareholder approval) will be counted for purposes of determining whether a quorum is present at
a meeting. Except as otherwise provided by law, abstentions will be treated as Shares that are present and entitled to vote for purposes
of determining the number of Shares that are present and entitled to vote with respect to any particular proposal, but will not be counted
as a vote cast on such proposal. A &#8220;Broker Non-Vote&#8221; occurs if a broker or nominee holding Shares in &#8220;street name&#8221;
indicates on the proxy that it does not have discretionary authority to vote as to a particular proposal. Except as otherwise provided
by law, Broker Non- Votes will be treated as present and entitled to vote for purposes of determining the number of Shares that are present
and entitled to vote with respect to such proposal, but will not be counted as a vote cast on such proposal.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 3.11 Inspectors of Election</U>.
In addition to any other inspector of election provided for in these By-Laws, in advance of any meeting of the Shareholders, the Trustees,
by resolution, may appoint one or more inspectors to act at the meeting and make a written report thereof. One or more other persons may
be designated as alternate inspectors to replace any inspector who fails to act. If no inspector or alternate is appointed or able to
act at a meeting of the Shareholders, the chair of the meeting shall appoint one or more inspectors to act at the meeting. Unless otherwise
required by applicable binding law, inspectors may be officers, employees or agents of the Trust. Each inspector, before entering upon
the discharge of the duties of inspector, shall take and sign an oath faithfully to execute the duties of inspector with strict impartiality
and according to the best of such inspector&#8217;s ability. The inspector shall have the duties prescribed by law or assigned by the
chair of the meeting and shall take charge of the polls and, when the vote is completed, shall make a certificate of the result of the
vote taken and of such other facts as may be required by applicable binding law.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; text-indent: 35.95pt"><U>Section 3.12 Action without Meeting</U>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Action
by Written Consent. Any action which may be taken by Shareholders may be taken without a meeting if a majority of Outstanding Shares entitled
to vote on the matter (or such larger proportion thereof as shall be required by law, the Declaration of Trust or the By- Laws) consent
to the action in writing and the written consents are filed with the records of the meetings of Shareholders. Such consents shall be treated
for all purposes as a vote taken at a meeting of Shareholders. Any action by written consent must be a proper subject for Shareholder
action by written consent under applicable law.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Request
for Record Date. Shareholders may act by written consent if Shareholders who own in the aggregate at least a majority of Outstanding Shares
entitled to vote on the matter (or such larger proportion thereof as shall be required by law, the Declaration of Trust, or the By- Laws),
shall (i) by written notice to the Secretary request that the Trustees fix a record date (a &#8220;Written Request&#8221;) prior to soliciting
any written consents in respect of such action, (ii) solicit consents to take such action from all Shareholders, and (iii) continuously
own (as determined in accordance with the Trustees) not less than a majority of Outstanding Shares entitled to vote on the matter (or
such larger proportion thereof as shall be required by law, the Declaration of Trust, or the By-Laws) through the date of delivery of
written consents signed by Shareholders having the requisite votes to take such action. Delivery of such Written Request shall be by hand,
by</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">registered U.S. mail, or by courier service to the attention
of the Secretary at the principal executive offices of the Trust. A Shareholder may revoke a Written Request with respect to such Shareholder&#8217;s
Shares at any time by written revocation delivered to the Secretary. In addition, any disposition of Shares of the Trust&#8217;s stock
made at any time prior to the delivery of the first written consent with respect to the action for which the Written Request is submitted
shall constitute a revocation, with respect to such disposed Shares, of any such Written Request.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Contents
of Written Request. A Written Request shall be signed and dated by each Shareholder, or duly authorized agent of such Shareholder, submitting
the Written Request and shall be accompanied by (i) the information required by Section 3.4(b) and Section 3.8 to the extent such information
would be required if such Shareholder were requesting a special meeting or proposing business under such Sections instead of making a
Written Request and (ii) an acknowledgment that any disposition of Shares described in Section 3.12(b) constitutes a revocation of the
Written Request with respect to such disposed Shares. In addition, the Shareholders shall promptly provide any other information reasonably
requested by the Trust.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Record
Date. The Trustees shall promptly, but in all events within thirty (30) days after the date on which a Written Request complying fully
with these By-Laws (including Section 3.12(e)) is received by the Secretary, adopt a resolution fixing the record date for determining
Shareholders entitled to take action by written consent. If no record date has been fixed by the Trustees within thirty (30) days after
the date on which a Written Request fully complying with these By-Laws is received by the Secretary, and the Written Request involves
a matter that is a proper subject for action by written consent under Section 3.12(e), the record date shall be the date on which the
first Shareholder signs the written consent setting forth the action taken or proposed to be taken in accordance with this Section 3.12.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Actions
Which May Be Taken by Written Consent. Notwithstanding the foregoing, the Trustees shall not be obligated to set a record date for an
action by written consent if (i) such action is not a proper subject for Shareholder action, either by written consent or otherwise, under
applicable law, (ii) the Trustees have called or call for an annual meeting or special meeting to be held within ninety (90) days after
the Secretary receives the Written Request and the Trustees determine in good faith that the business of such annual meeting or special
meeting is to include (among any other matters properly to be brought before the annual or special meeting) the business specified in
the Written Request, or (iii) an annual or special meeting that included the business specified in the Written Request (as determined
in good faith by the Trustees) was held not more than ninety (90) days before the Written Request was received by the Secretary, or (iv)
the Written Request or any solicitation of consents to such action by written consent was made in a manner that involved a violation of
Regulation 14A under the Exchange Act or other applicable law.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Inspectors
of Election. In the event of the delivery, in the manner provided by this Section 3.12 and applicable law, to the Trust of the requisite
written consent or consents to take action and any related revocation or revocations, the Chairman, the President, the Vice President,
or the Trustees may appoint regionally or nationally recognized independent inspectors of elections to act as the agent of the Trust for
the purpose of promptly performing a ministerial review of the validity of any purported consent or revocation received by the Secretary.
For the purpose of permitting the inspectors to perform such review, no action by written consent</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">without a meeting shall be effective until such date as
the independent inspectors certify to the Trust that the consents delivered to the Trust in accordance with this Section 3.12 represent
not less than the minimum number of votes necessary to take the action at a meeting at which all Shareholders entitled to vote on the
action are present and voting. Nothing contained in this paragraph (f) shall in any way be construed to suggest or imply that the Trust
or any Shareholder shall not be entitled to contest the validity of any consent or revocation thereof, whether before or after such certification
by the independent inspectors, or to take any other action (including, without limitation, the commencement, prosecution or defense of
any litigation with respect thereto, and the seeking of injunctive relief in such litigation).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Date
of Written Consent; Notice to Shareholders. Every written consent shall bear the date of signature of each Shareholder who signs the consent,
and no written consent shall be effective to take the action set forth therein unless, within sixty (60) days of the earliest dated consent
delivered in accordance with this Section 3.12, a written consent or consents signed by Shareholders having the requisite votes to take
such action are delivered to the Secretary in the manner prescribed in this Section 3.12. The action by written consent will take effect
as of the date and time of the certification of the written consents in accordance with Section 3.12(f) of these By-Laws, unless otherwise
provided by law.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effectiveness
of Written Consent. Notwithstanding anything in these By-Laws to the contrary, no action may be taken by the Shareholders by less than
unanimous written consent except in accordance with the Declaration of Trust and these By-Laws. If the Trustees shall determine that any
request to fix a record date or to take Shareholder action by written consent was not properly made in accordance with the Declaration
of Trust and these By-Laws, or the Shareholder or Shareholders seeking to take such action do not otherwise comply with the Declaration
of Trust and these By-Laws, then the Trustees shall not be required to fix a record date and any such purported action by written consent
shall be null and void to the fullest extent permitted by applicable law. In addition to the requirements of the Declaration of Trust
and these By-Laws with respect to Shareholders seeking to take an action by written consent, any Shareholder seeking to have the Shareholders
authorize or take corporate action by written consent shall comply with all requirements of applicable law, including all requirements
of the Exchange Act, with respect to such action. Notwithstanding anything in the Declaration of Trust or these By-Laws to the contrary
(i) Shareholders may act without a meeting by unanimous written consent, and none of the foregoing provisions shall apply to such action,
and (ii) where written consents are solicited by or at the direction of the Trustees, Shareholders may act upon the action for which consents
are solicited by or at the direction of the Trustees without a meeting if the action is taken by Shareholders having not less than the
minimum number of votes necessary to take that action at a meeting at which all Shareholders entitled to vote on the action are present
and voting, and none of the foregoing provisions shall apply to such action.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 3.13 Record Date.</U> In order
that the Trust may determine the Shareholders entitled to notice of or to vote at any meeting of the Shareholders or any adjournment thereof,
the Trustees may fix a record date, which record date shall be a reasonable date and time prior to the date of any meeting of the Shareholders
and shall not precede the date upon which the resolution fixing the record date is adopted by the Trustees, and shall not be less than
ten (10) days before the date of such meeting. If no record date is fixed by the Trustees, the record date for determining Shareholders
entitled to notice of or to vote at a meeting of the Shareholders shall be</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">at the close of business on the day preceding the day on
which notice is given, or, if no notice is given, at the close of business on the day preceding the day on which the meeting is held.
A determination of Shareholders entitled to notice of or to vote at a meeting of the Shareholders shall apply to any adjournment of the
meeting; provided, however, that the Trustees may fix a new record date for the adjourned meeting.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.6pt 13.9pt 0 5pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>ARTICLE IV - TRUSTEES</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 4.1 Meetings of the
Trustees</U>. The Trustees may in their discretion provide for regular or stated meetings of the Trustees. Notice of regular or
stated meetings need not be given. Meetings of the Trustees other than regular or stated meetings shall be held whenever called by
the President, the Chairman, the Vice Chairman or by a Majority of the Trustees, at the time being in office. Notice of the time and
place of each meeting other than regular or stated meetings shall be given by the Secretary or an Assistant Secretary or by the
officer or Trustee calling the meeting and shall be mailed to each Trustee at least two days before the meeting, or shall be given
by telephone, cable, wireless, facsimile or electronic means to each Trustee at such Trustee&#8217;s business address, or personally
delivered to such Trustee at least one day before the meeting. Such notice may, however, be waived by any Trustee. Notice of a
meeting need not be given to any Trustee if a written waiver of notice, executed by such Trustee before or after the meeting, is
filed with the records of the meeting, or to any Trustee who attends the meeting without protesting prior thereto or at its
commencement the lack of notice to such Trustee. Subject to the requirements of the 1940 Act, a notice or waiver of notice need not
specify the purpose of any meeting. Subject to the requirements of the 1940 Act, the Trustees may meet by means of a telephone
conference circuit or similar communications equipment by means of which all persons participating in the meeting can hear each
other at the same time and participation by such means shall be deemed to have been held at a place designated by the Trustees at
the meeting. Subject to the requirements of the 1940 Act, participation in a telephone conference meeting shall constitute presence
in person at such meeting. Subject to the requirements of the 1940 Act, any action required or permitted to be taken at any meeting
of the Trustees may be taken by the Trustees without a meeting if a Majority of the Trustees consent to the action in writing and
the written consents are filed with the records of the Trustees&#8217; meetings. Subject to the requirements of the 1940 Act, such
consents shall be treated as a vote for all purposes. Only the Trustees and any additional persons invited by the President, the
Chairman or by a Majority of the Trustees shall be allowed to participate in or attend any meeting of the Trustees.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 4.2 Term of Office of Trustees</U>.
The Board of Trustees shall be divided into three classes. Within the limits provided by the Declaration of Trust, the number of the Trustees
in each class and the class which each Trustee is assigned shall be determined by resolution of the Board of Trustees. The term of office
of the first class shall expire on the date of the 2014 annual meeting of Shareholders or a special meeting in lieu thereof. The term
of office of the second class shall expire on the date of the 2015 annual meeting of Shareholders or special meeting in lieu thereof.
The term of office of the third class shall expire on the date of the 2016 annual meeting of Shareholders or special meeting in lieu thereof.
Upon expiration of the term of office of each class as set forth above, the number of Trustees in such class, as determined by</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">the Board of Trustees, shall be elected for a term expiring
on the date of the third annual meeting of Shareholders or special meeting in lieu thereof following such expiration to succeed the Trustees
whose terms of office expire.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 4.3 Quorum and Manner of Acting</U>.
A Majority of the Trustees shall be present in person at any regular or special meeting of the Trustees in order to constitute a quorum
for the transaction of business at such meeting and (except as otherwise required by law, the Declaration of Trust or these By-Laws) the
act of a Majority of the Trustees present at any such meeting, at which a quorum is present, shall be the act of the Trustees. In the
absence of a quorum, a Majority of the Trustees present may adjourn the meeting from time to time until a quorum shall be present. Notice
of an adjourned meeting need not be given.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 4.4 Retirement Age</U>. The
retirement age for Trustees shall be seventy five (75) and therefore each Trustee shall retire from service on December 31 of the year
in which he or she reaches his or her seventy-fifth (75<SUP>th</SUP>) birthday unless the Trustees resolve that it is in the interest
of the Trust to permit such Trustee to serve as a Trustee until such later date as may be designated by the Trustees.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 4.5 Chairman of the Trustees</U>.
The Trustees shall appoint from among their number a Chairman. The Chairman shall preside at the meetings of the Trustees and may call
meetings of the Trustees and of any committee thereof whenever he or she deems it necessary or desirable to do so. The Chairman may in
his or her discretion preside at any meeting of the shareholders, and may delegate such authority to another Trustee or officer of the
Trust. The Chairman shall exercise and perform such additional powers and duties as from time to time may be assigned to him or her by
the Trustees, and shall have the resources and authority appropriate to discharge the responsibilities of the office.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 4.6 Powers and Duties
of the Vice Chairman</U>. The Trustees may, but need not, appoint one or more Vice Chairman of the Trust. Each Vice Chairman shall perform
such duties as may be assigned to him or her from time to time by the Trustees or the Chairman.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 4.7 Interested Trustees</U>.
No contract or transaction between the Trust and one or more of its Trustees or officers, or between the Trust and any other Trust, partnership,
association or other organization in which one or more of its Trustees or officers are Trustees or officers or have a financial interest,
shall be void or voidable solely for this reason, or solely because the Trustee or officer is present at or participates in the meeting
of the Trustees or committee thereof which authorizes the contract or transaction, or solely because any such Trustee&#8217;s or officer&#8217;s
vote is counted for such purpose if: (i) the material facts as to the Trustee&#8217;s or officer&#8217;s relationship or interest and
as to the contract or transaction are disclosed or are known to the Trustees or the committee, and the Trustees or committee in good faith
authorizes the contract or transaction by the affirmative votes of a majority of the disinterested Trustees, even though the Independent
Trustees be less than a quorum; or (ii) the material facts as to the Trustee&#8217;s or officer&#8217;s relationship or interest and as
to the contract or transaction are disclosed or are known to the Shareholders entitled to vote thereon, and the contract or transaction
is specifically approved in good faith by vote of the Shareholders; or (iii) the contract or transaction is fair as to the Trust as of
the time it is authorized, approved or ratified by the Trustees, a committee thereof or the Shareholders.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 4.8 Governance</U>. The
Trustees may from time to time require all its members (including any individual nominated to serve as a Trustee) to agree in writing
as to matters of corporate governance, business ethics and confidentiality while such persons serve as a Trustee, such agreement to be
on the terms and in a form determined satisfactory by the Trustees, as amended and supplemented from time to time in the discretion of
the Trustees.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 4.9 Records</U>. The results
of all actions taken at a meeting of the Trustees, or by unanimous written consent of the Trustees, shall be recorded by the Secretary
of the meeting appointed by the Board of Trustees.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 4.10 Incorporation</U>. Pursuant
to Section 4.2 of the Declaration of Trust, the Trustees may cause to be organized or assist in organizing a corporation or corporations
under the laws of any jurisdiction or any other trust, partnership, association or other organization to take over all or any portion
of the Trust Property or the Trust Property allocated or belonging to such Class or Series or to carry on any business in which the Trust
shall directly or indirectly have any interest, and to sell, convey and transfer all or any portion of the Trust Property or the Trust
Property allocated or belonging to such Class or Series to any such corporation, trust, association or organization in exchange for the
shares or securities thereof or otherwise, and to lend money to, subscribe for the shares or securities of, and enter into any contracts
with any such corporation, trust, partnership, association or organization, or any corporation, partnership, trust, association or organization
in which the Trust or such Class or Series holds or is about to acquire shares or any other interest. The Trustees may also cause a merger
or consolidation between the Trust or any successor thereto and any such corporation, trust, partnership, association or other organization
if and to the extent permitted by law, as provided under the law then in effect. Nothing contained herein shall be construed as requiring
approval of Shareholders for the Trustees to organize or assist in organizing one or more corporations, trusts, partnerships, associations
or other organizations and selling, conveying or transferring all or a portion of the Trust Property to such organization or entities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 8.75pt 0 5pt; text-indent: 35.95pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>ARTICLE V - COMMITTEES</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 5.1 Executive and Other Committees</U>.
The Trustees by vote of a majority of all the Trustees may elect from their own number an Executive Committee to consist of not less than
two (2) members to hold office at the pleasure of the Trustees, which shall have the power to conduct the current and ordinary business
of the Trust while the Trustees are not in session, including the purchase and sale of securities and the designation of securities to
be delivered upon redemption of Shares of the Trust or a Class or a Series thereof, and such other powers of the Trustees as the Trustees
may, from time to time, delegate to them except those powers which by law, the Declaration of Trust or these By-Laws they are prohibited
from delegating.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">The Trustees may also elect from their own number other
committees from time to time; the number composing such committees, the powers conferred upon the same (subject to the same limitations
as with respect to the Executive Committee) and the term of membership on such committees to be determined by the Trustees. The Trustees
may designate a chair of any such committee. In the absence of such designation the committee may elect its own chair.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 5.2 Meetings, Quorum and
Manner of Acting</U>. The Trustees may (1) provide for stated meetings of any committee, (2) specify the manner of calling and notice
required for special meetings of any committee, (3) specify the number of members of a committee required to constitute a quorum and the
number of members of a committee required to exercise specified powers delegated to such committee, (4) authorize the making of decisions
to exercise specified powers by written assent of the requisite number of members of a committee without a meeting, and (5) authorize
the members of a committee to meet by means of a telephone conference circuit.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">Each committee shall keep regular
minutes of its meetings and records of decisions taken without a meeting and cause them to be recorded in a book designated for that purpose
and kept in the office of the Trust.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4.5pt 11.35pt 0 5pt; text-indent: 35.95pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>ARTICLE VI - OFFICERS</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 6.1 General Provisions</U>.
The officers of the Trust shall be a President, a Treasurer and a Secretary, who shall be elected by the Trustees. The Trustees may elect
or appoint such other officers or agents as the business of the Trust may require, including a Chief Financial Officer, one or more Vice
Presidents, one or more Assistant Secretaries, and one or more Assistant Treasurers. The Trustees may delegate to any officer or committee
the power to appoint any subordinate officers or agents.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.45pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 6.2 Election, Term of
Office and Qualifications</U>. The officers of the Trust and any Class or Series thereof shall be elected by the Trustees. Each officer
elected by the Trustees shall hold office at the pleasure of the Trustees. Any two or more offices may be held by the same person.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; text-indent: 35.95pt"><U>Section 6.3 Resignation; Removal</U>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Trustees, at any regular or special meeting of the Trustees, may remove any officer with or without cause, by a vote of a Majority of
the Trustees present at any such meeting, at which a quorum is present. Any officer or agent appointed by an officer or committee may
be removed with or without cause by such appointing officer or committee.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
officer of the Trust may resign by filing a written resignation with the President or with the Trustee or with the Secretary, which shall
take effect on being so filed or at any time as may otherwise be specified therein.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 6.4 Powers and Duties of the
President</U>. The President shall be the chief executive officer of the Trust and shall preside at all meetings of the Trustees and Shareholders
in the absence of the Chairman or a Vice Chairman. Subject to the control of the Trustees and to the control of any committees of the
Trustees, within their respective spheres as provided by the Trustees, the President shall at all times exercise general supervision over
the business and policies of the Trust. The President shall have the power to employ attorneys and counsel for the Trust or any Series
or Class thereof and to employ such subordinate officers, agents, clerks and employees as the President may find necessary to transact
the business of the Trust or any Series</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">or Class thereof. The President shall also have the power
to grant, issue, execute or sign such powers of attorney, proxies or other documents as may be deemed advisable or necessary in furtherance
of the interests of the Trust or any Class or Series thereof. The President shall have such other powers and duties, as from time to time
may be conferred upon or assigned to the President by the Trustees.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 6.5 Powers and Duties of Vice
Presidents</U>. In the absence or disability of the President, the Vice President or, if there be more than one Vice President, any Vice
President designated by the Trustees, shall perform all the duties and may exercise any of the powers of the President, subject to the
control of the Trustees. Each Vice President shall perform such other duties as may be assigned to him or her from time to time by the
Trustees and the President.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 6.6 Powers and Duties of the
Treasurer</U>. The Treasurer shall deliver all funds of the Trust or any Series or Class thereof which may come into his or her hands
to such Custodian as the Trustees may employ. The Treasurer shall render a statement of condition of the finances of the Trust or any
Series or Class thereof to the Trustees as often as they shall require the same and the Treasurer shall in general perform all the duties
incident to the office of a Treasurer and such other duties as from time to time may be assigned to him or her by the Trustees. The Treasurer
shall give a bond for the faithful discharge of his or her duties, if required so to do by the Trustees, in such sum and with such surety
or sureties as the Trustees shall require.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 6.7 Powers and Duties of the
Secretary</U>. The Secretary shall keep the minutes of all meetings of the Trustees and of the Shareholders in proper books provided for
that purpose; the Secretary shall have custody of the seal of the Trust; the Secretary shall have charge of the Share transfer books,
lists and records unless the same are in the charge of a transfer agent. The Secretary shall attend to the giving and serving of all notices
by the Trust in accordance with the provisions of these By-Laws and as required by law; and subject to these By-Laws, the Secretary shall
in general perform all duties incident to the office of Secretary and such other duties as from time to time may be assigned to him or
her by the Trustees.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 6.8 Powers and Duties of
Assistant Treasurers</U>. In the absence or disability of the Treasurer, any officer designated by the Trustees shall perform all the
duties, and may exercise any of the powers, of the Treasurer. Each officer shall perform such other duties as from time to time may be
assigned to him or her by the Trustees. Each officer performing the duties and exercising the powers of the Treasurer, if any, and any
Assistant Treasurer, shall give a bond for the faithful discharge of his or her duties, if required so to do by the Trustees, in such
sum and with such surety or sureties as the Trustees shall require.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 6.9 Powers and Duties
of Assistant Secretaries</U>. In the absence or disability of the Secretary, any Assistant Secretary designated by the Trustees shall
perform all the duties, and may exercise any of the powers, of the Secretary. Each Assistant Secretary shall perform such other duties
as from time to time may be assigned to him or her by the Trustees.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.45pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 6.10 Compensation of Officers
and Trustees and Members of the Advisory Board</U>. Subject to any applicable provisions of the Declaration of Trust, the compensation
of the officers and Trustees and members of an advisory board shall be fixed from time to time by the Trustees or, in the case of officers,
by any committee or officer upon whom such power may be</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">conferred by the Trustees. No officer shall be prevented
from receiving such compensation as such officer by reason of the fact that such officer is also a Trustee.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 6.11 Designation of Principal
Accounting Officer(s) and Principal Financial Officer(s)</U>. The Trustees shall designate by resolution one or more officers of the Trust
as the principal accounting officer(s) and the principal financial officer(s) for all purposes required by the Securities Act of 1933,
as amended from time to time.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 15.15pt 0 5pt; text-indent: 35.95pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>ARTICLE VII - SHARES OF BENEFICIAL INTEREST</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 7.1 Share Certificates</U>.
The Trustees may issue Shares either in certificated or uncertificated form, and if they have issued Shares in certificated form, they
may, by written notice to the holders of such Shares, require the surrender of their certificates to the Trust for cancellation, which
surrender and cancellation shall not affect the ownership of such Shares. For any Shares issued without certificates, the Trust or its
transfer agent may either issue receipts therefor or may keep accounts upon the books of the Trust for the record holders of such Shares,
who shall in either case be deemed, for all purposes hereunder, to be the holders of such Shares as if they had received certificates
therefor and shall be held to have expressly assented and agreed to the terms hereof and of the Declaration of Trust. For any Shares for
which the Trustees shall issue certificates, each holder of such Shares shall be entitled to a certificate stating the number of Shares
owned by him or her in such form as shall be prescribed from time to time by the Trustees. The certificates representing Shares shall
be signed by the President or a Vice President and by the Secretary or an Assistant Secretary, or the Treasurer or an Assistant Treasurer,
and sealed with the seal of the Trust. Any or all of the signatures or the seal of the Trust on the certificate may be a facsimile. In
case any officer, transfer agent or registrar who has signed or whose facsimile signature has been placed upon a certificate which shall
have ceased to be such officer, transfer agent or registrar before such certificate shall be issued, it may be issued by the Trust with
the same effect as if such officer, transfer agent or registrar were still in office at the date of issue.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 7.2 Regulations</U>. The Trustees
may make such additional rules and regulations, not inconsistent with these By-Laws, as they may deem expedient concerning the issue,
transfer and registration of certificates for Shares of the Trust. They may appoint, or authorize any officer or officers to appoint,
one or more transfer agents or one or more transfer clerks and one or more registrars and may require all certificates for Shares to bear
the signature or signatures of any of them.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 7.3 Lost, Destroyed or
Mutilated Certificates</U>. The holder of any certificates representing Shares of the Trust shall immediately notify the Trust of
any loss, destruction or mutilation of such certificate, and the Trust may issue a new certificate in the place of any certificate
theretofore issued by it which the owner thereof shall allege to have been lost or destroyed or which shall have been mutilated, and
the Trustees may, in their discretion, require such owner or such owner&#8217;s legal representative to give to the Trust a bond in
such sum, limited or unlimited, and in such form and with such surety or sureties, as the Trustees in their absolute discretion
shall determine, to indemnify the Trust against any claim that may be made against it on account of the alleged loss or destruction
of any such certificate or issuance of a new certificate.</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 7.4 Disclosure of Holdings</U>.
The record or beneficial holders of Shares or other securities of the Trust, including any derivative instrument, swap, option, warrant,
short interest, hedge or profit interest or other transaction with respect to Shares, shall upon demand disclose to the Trustees in writing
such information with respect to direct and indirect ownership of Shares or other securities of the Trust, including any derivative instrument,
swap, option, warrant, short interest, hedge or profit interest or other transaction with respect to Shares, as the Trustees deem necessary
or appropriate.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 7.5 Register of Shares</U>.
A register shall be kept at the principal office of the Trust or an office of the transfer agent or other similar agent which shall contain
the names and addresses of the Shareholders and the number of Shares held by them respectively and a record of all transfers thereof in
accordance with the Declaration of Trust, and such register shall be conclusive as to who are the holders of the Shares and who shall
be entitled to receive dividends or distributions or otherwise to exercise or enjoy the rights of Shareholders. No shareholder shall be
entitled to receive payment of any dividend or distribution, nor be entitled to receive notice as provided herein, until the shareholder
has given their address to the transfer agent or such other officer or agent of the Trustees as shall keep the said register for entry
thereon.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 7.6 Transfer of Shares</U>.
Shares shall be transferable on the records of the Trust only by Shareholder thereof or by a bona fide agent of such Shareholder duly
authorized in writing, upon delivery to the Trustees, the transfer agent or other similar agent of a duly executed instrument of transfer,
together with such evidence of the genuineness of each such execution and authorization and of other matters as may reasonably be required.
Upon such delivery the transfer shall be recorded on the register of the Trust, and until such record is made, the Shareholder shall be
deemed to be the holder of such Shares for all purposes hereunder and neither the Trustees nor any transfer agent or registrar nor any
officer, employee or agent of the Trust shall be affected by any notice of the proposed transfer.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 6.6pt 0 5pt; text-indent: 35.95pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>ARTICLE VIII - INDEMNIFICATION</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 8.1 Indemnification of Employees
and Agents</U>. Employees and agents of the Trust (including any individuals who serve at its request as directors, officers, or trustees
of another organization in which it has any interest as a shareholder, creditor or otherwise) shall have the same rights to indemnification
and advancement of expenses granted to Trustees and officers of the Trust in the Declaration of Trust.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 8.2 Indemnification Agreements</U>.
The Trust may enter into indemnification agreements with any Trustee of the Trust and with any officer of the Trust subject to such other
qualifications, limitations or restrictions as provided in the Declaration of Trust.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>ARTICLE IX - TERMS OF COMMON SHARES</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; text-indent: 35.95pt"><U>Section 9.1 Common Shares</U>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Common Shares shall rank junior to any issued and outstanding preferred shares (&#8220;Preferred Shares&#8221;) with respect to payment
of dividends and distributions on liquidation or dissolution and shall have such other qualifications, limitations or restrictions as
provided in the Declaration of Trust.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as otherwise provided herein or by law and the Declaration of Trust, the holders of the Common Shares shall be entitled to one vote for
each whole Share on each matter submitted to a vote of the Shareholders of the Trust. If Preferred Shares are issued and outstanding,
the holders of the Common Shares and the holders of the Preferred Shares shall vote together as a single class except as herein provided
or to the extent otherwise required by the 1940 Act or the Declaration of Trust.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;After
all accumulated and unpaid dividends upon all Preferred Shares, if any, for all previous dividend periods have been paid, and full dividends
on all outstanding Preferred Shares, if any, for the then-current dividend period have been paid or declared and a sum sufficient for
the payment thereof set apart therefore, then and not otherwise, dividends or other distributions may be declared upon and paid to the
holders of the Common Shares, to the exclusion of the holders of the Preferred Shares, if any.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event of the dissolution, liquidation, or winding up of the Trust, whether voluntary or involuntary, after payment in full of the
amounts, if any, required to be paid to the holders of the Preferred Shares, the holders of the Common Shares shall be entitled, to the
exclusion of the holders of the Preferred Shares, if any, to share ratably in all remaining assets of the Trust.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 9.25pt 0 5pt; text-indent: 35.95pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>ARTICLE X - FISCAL YEAR</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">The fiscal year of the Trust and any
Class or Series thereof shall be established by resolution of the Trustees.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 43.5pt 0 5pt; text-indent: 35.95pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>ARTICLE XI - INSPECTION OF BOOKS</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.45pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">The Trustees shall from time to time
determine whether and to what extent, and at what times and places, and under what conditions and regulations the accounts and books of
the Trust or any of them shall be open to the inspection of the Shareholders; and no Shareholder shall have any right to inspect any account
or book or document of the Trust except as conferred by applicable law or authorized by the Trustees.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>ARTICLE XII - SEAL</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">The Trustees may adopt a seal which shall
be in such form and shall have such inscription thereon as the Trustees may from time to time prescribe but the absence of a seal shall
not impair the validity or execution of any document.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 31.3pt 0 5pt; text-indent: 35.95pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>ARTICLE XIII - REPORTS TO SHAREHOLDERS</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">The Trustees shall submit to Shareholders
such written financial reports of the transactions of the Trust and any Class or Series thereof, as required by applicable law.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 56pt 0 5pt; text-indent: 35.95pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>ARTICLE XIV - SUFFICIENCY AND WAIVERS OF NOTICE</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">Whenever any notice whatever is required
to be given by law, the Declaration of Trust or these By-Laws, a waiver thereof in writing, signed by the person or persons entitled to
said notice, whether before or after the time stated therein, shall be deemed equivalent thereto. A notice shall be deemed to have been
sent by mail, telegraph, cable, wireless, facsimile or electronic means for the purposes of these By-Laws when it has been delivered to
a representative of any entity holding itself out as capable of sending notice by such means with instructions that it be so sent.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 8.55pt 0 5pt; text-indent: 35.95pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>ARTICLE XV - PROVISIONS IN CONFLICT WITH LAW OR REGULATION</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.45pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 15.1 Severability</U>.
The provisions of these By-Laws are severable, and if the Trustees shall determine, with the advice of counsel, that any of such provisions
is in conflict with the 1940 Act, the regulated investment company provisions of the Internal Revenue Code of 1986 or with other applicable
binding laws and regulations, the conflicting provision shall be construed in such a manner consistent with such law as may most closely
reflect the intention of the offending provision; provided, however, that such determination shall not affect any of the remaining provisions
of these By-Laws or render invalid or improper any action taken or omitted prior to such determination.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt"><U>Section 15.2 Invalidity</U>. If any provision
of these By-Laws shall be held invalid or unenforceable in any jurisdiction, such invalidity or unenforceability shall attach only to
such provision in such jurisdiction and shall not in any manner affect such provision in any other jurisdiction or any other provision
of these By-Laws in any jurisdiction.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>ARTICLE XVI - GOVERNING LAW</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">These By-Laws shall be subject to and
construed according to the laws of the Commonwealth of Massachusetts.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>ARTICLE XVII - AMENDMENTS</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">These By-Laws, or any of them, may be
altered, amended or repealed, or new By-Laws may be adopted by a vote of a Majority of the Trustees, <U>provided</U>, <U>however</U>,
that no By-Law may be amended, adopted or repealed by the Trustees if such amendment, adoption or repeal requires, pursuant to federal
or state law, the Declaration of Trust or these By-Laws, a vote of the Shareholders, in which case such vote of Shareholders, together
with a vote of a Majority of the Trustees, shall be required.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><U>ARTICLE XVIII &#8211; NET ASSET VALUE</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 35.95pt">The net asset value of each Outstanding
Common Share of the Trust or of each series or class thereof shall be determined on such days and at such time or times as the Trustees
may determine. The value of the assets of the Trust or any series thereof and the net asset value of Outstanding Shares may be determined
in such manner as shall be approved by the Trustees and consistent with the 1940 Act.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; text-indent: 35.95pt"></P>

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<DOCUMENT>
<TYPE>EX-99.(2)(B)(1)
<SEQUENCE>5
<FILENAME>jhfof-html3755_ex992b1.htm
<DESCRIPTION>AMENDMENT DATED MARCH 10, 2016 TO THE AMENDED AND RESTATED BY-LAWS DATED SEPTEMBER 27, 2013
<TEXT>
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<BODY>


<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: right">EXHIBIT (2)(b)(1)</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 0 0">&nbsp;</P>

<P STYLE="margin: 0pt; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: center"></P>

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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center">AMENDMENT DATED MARCH 10,
2016</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.15pt 0 0"><B>&nbsp;</B></P>

<P STYLE="margin: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><B>TO THE AMENDED AND</B></P>

<P STYLE="margin: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><B>RESTATED</B></P>

<P STYLE="margin: 0pt; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: center">BY-LAWS OF</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.45pt 0 0"><B>&nbsp;</B></P>

<P STYLE="margin: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; text-indent: 0pt"><B>JOHN HANCOCK FINANCIAL OPPORTUNITIES
FUND</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0"><B>&nbsp;</B></P>

<P STYLE="margin: 0pt; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: center">DATED SEPTEMBER 27, 2013</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center"></P>

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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center">&nbsp;</P>







<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">Section 4.4 of ARTICLE IV is hereby amended and replaced in
its entirety by the following:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.45pt 0 0">&nbsp;</P>

<P STYLE="text-indent: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">Section 4.4&#9;<U>Retirement Age</U><B>.</B> The retirement
age for Trustees shall be determined from time to time by a resolution of the majority of the Trustees.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 0pt; margin: 0pt"></P>

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<DOCUMENT>
<TYPE>EX-99.(2)(E)
<SEQUENCE>6
<FILENAME>jhfof-html3755_ex992e.htm
<DESCRIPTION>.DIVIDEND REINVESTMENT PLAN DATED NOVEMBER 1, 2013
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>EXHIBIT (2)(e)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.3pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; margin: 1.45pt 0 0 287.9pt"><FONT STYLE="font-variant: small-caps"><B>John
Hancock Closed-End Funds</B></FONT></P>

<P STYLE="text-align: right; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
<P STYLE="text-align: right; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1.45pt 5.9pt 0 0; text-align: right"><B> Dividend Reinvestment Plan</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.8pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1.45pt 0 0 6pt">Dear Shareholder:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 14.3pt 0 6pt">Thank you for selecting a John Hancock Closed-End Fund (the
&#8220;Fund&#8221;) for your investment portfolio. Every shareholder holding at least one full share of the Fund is entitled to participate
in the Fund&#8217;s Dividend Reinvestment Plan (the &#8220;Plan&#8221;). In addition, every shareholder who became a shareholder of the
Fund after June 30, 2011 (May 25, 2011 with respect to John Hancock Hedged Equity &amp; Income Fund) and holds at least one full share
of the Fund will be automatically enrolled in the Plan. The Terms and Conditions of the Plan, as well as the procedures to either continue
dividend reinvestment or have your dividends paid in cash, are included in this brochure. The brochure also describes the costs you will
pay as a Plan participant. Appendix A to this brochure lists the Funds that currently offer the Plan.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.65pt 0 6pt">The Plan offers an opportunity to earn compounded returns.
Compounding your investment returns over time by reinvesting in shares of the Fund may afford benefits to you not achieved by taking your
investment returns in cash. The Plan also enables you to purchase additional shares of the Fund, deposit Fund shares that were not acquired
through the Plan, and sell shares held in your Plan account. In addition, as a participant in the Plan, you will benefit from the safekeeping
provided by the Administrator for all shares purchased on your behalf by the Administrator and other Fund shares you may deposit in the
Plan account. This service protects against theft or loss of certificates. Recordkeeping also is provided by the Administrator for participants.
Monthly statements will detail distributions, purchases, sales (if any), prices and total shares held in your Plan account.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 8.25pt 0 6pt">Computershare Trust Company, N.A (&#8220;Computershare&#8221;
or the &#8220;Administrator&#8221;) acts as Administrator for shareholders in reinvesting all dividends and distributions in additional
shares of the Fund for individual accounts. If you hold at least one full share of the Fund and would like automatic dividend reinvestment
and your shares are held in the name of a nominee (broker, bank or other), please contact your nominee to see if it will participate in
the Plan for you. If your nominee can participate in the Plan, your monthly statements will reflect the reinvestment. If your nominee
cannot participate in the Plan for you, have your shares re-registered in your name so you may participate.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 14.1pt 0 6pt">If you do not wish to participate in the Plan, please notify
the Administrator by telephone at the number in the enclosed materials or by visiting the Administrator&#8217;s Web site at www.computershare.com/investor.</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2.95pt 0 0 6pt"><B>What is the Dividend Reinvestment Plan?</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 3.4pt 0 6pt">The Dividend Reinvestment Plan (the &#8220;Plan&#8221;) offers
shareholders of each of the John Hancock Closed-End Funds listed in Appendix A (each a &#8220;Fund&#8221;) a prompt and simple way to
reinvest their dividend and net capital gains distributions in shares of the Fund, purchase additional shares of the Fund, and safekeep
shares of the Fund. Each Fund expects to declare dividends out of its income and net capital gains available for distribution, in accordance
with its usual practice, as stated in its shareholder reports.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 12.2pt 0 6pt; text-align: justify">Computershare acts as Administrator for
shareholders in administering the Plan. The complete Terms and Conditions of the Plan appear later in this brochure. Except where noted,
references to a &#8220;Fund&#8221; in this brochure and in the Terms and Conditions apply equally to each Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt"><B>Who can participate in the Plan?</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 6.15pt 0 6pt">If you own at least one full share of the Fund in your
own name, you are entitled to participate in the Plan. In addition, if you are a new shareholder holding at least one full share of
the Fund, you will be automatically enrolled in the Plan. This automatic enrollment feature of the Plan applies only to shareholders
who became shareholders of the Fund after June 30, 2011 (May 25, 2011 with respect to John Hancock Hedged Equity &amp; Income Fund).
If you own shares that are held in the name of a brokerage firm, bank or other nominee, you should instruct your nominee to
participate on your behalf with respect to the Fund or Funds that you designate. If you wish to participate in the Plan, but your
brokerage firm, bank or other nominee is unable to participate on your behalf, you should request it to re-register your shares in
your own name, which will enable your participation in the Plan. The Administrator will administer the Plan on the basis of the
number of shares certified from time to time by you as representing the total amount registered in your name and held for your
account by your nominee.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt"><B>How does the Plan work?</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.8pt 0 6pt">If the Fund declares a dividend or distribution payable either
in cash or in shares of the Fund and the market price of shares on the valuation date equals or exceeds the Fund&#8217;s net asset value
per share (&#8220;NAV&#8221;), the Fund will issue new shares to you at the greater of NAV or 95% of the current market price. If the
market price is lower than NAV, or if dividends or distributions are payable only in cash, then you will receive shares purchased by the
Administrator on your behalf on the New York Stock Exchange (the &#8220;NYSE&#8221;) or otherwise on the open market. If the market price
exceeds NAV before the Administrator has completed its purchases, the average purchase price may exceed NAV, resulting in fewer shares
being acquired than if the Fund had issued new shares.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">All reinvestments are in full and fractional shares, carried to
four decimal places.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt"><B>Can I invest additional cash under the Plan?</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">You may buy additional shares of the Fund through the Plan at
any time in amounts of at least $50 per investment, up to a maximum of $10,000, with a total calendar year limit of $100,000. You
will be charged a $5 transaction fee plus $0.05 per share brokerage trading fee for each order. Purchases of additional shares of
the Fund will be made on the open market.</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2.95pt 3.65pt 0 6pt">To purchase additional Fund shares, you may make a one-time
online bank debit from your designated U.S. bank account by going to www.computershare.com/investor
and follow the instructions provided. You may also send the Administrator a check payable to &#8220;Computershare&#8221; along with written
instructions to use the investment to purchase shares of the Fund for your Plan account. A form for use in purchasing additional Fund
shares will be attached to your Plan account statements. The Administrator will not accept cash, traveler&#8217;s checks, money orders
or third-party checks. In addition, you may contact the Administrator to purchase Fund shares through monthly recurring electronic fund
transfers from your designated U.S bank account at any qualified financial institution that participates in the Automated Clearing House.
Recurring automatic purchases by fund transfer are made on the 23<SUP>rd</SUP> day of each month, or if such date is not a business day,
on the next business day. You will be charged a $2 transaction fee plus $0.05 per share fee for each recurring automatic purchase. The
automatic purchases will continue until you notify the Administrator to change or discontinue them.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.8pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.15pt 0 6pt">Cash investments will be invested monthly by the Administrator
by the last business day of the month; no interest will be paid to you on cash investments held pending investment. There is no obligation
to invest additional cash.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.15pt 0 6pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.15pt 0 6pt">The Administrator will wait up to three business days
after receipt of the check or electronic funds transfer to ensure it receives good funds and will then seek to purchase shares from
additional cash investments promptly on the investment date.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.8pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.8pt 0 6pt">If your cash investment cannot be collected by the
Administrator due to insufficient funds, you will be charged $35. In addition, shares in your Plan account will be sold to the
extent necessary to pay the $35 charge and the sales charges related to the sale, and to reimburse the Administrator for any amounts
expended to purchase shares that were added to your account in connection with the investment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt"><B>Safekeeping</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 8.2pt 0 6pt">All shares purchased pursuant to the Plan benefit from the safekeeping
provided by the Administrator. In addition, you may deposit for safekeeping by the Administrator Fund shares that were not purchased under
the Plan, provided that the shares to be deposited are registered in your name, or if such shares are registered in another name, you
have satisfied the requirements for transfer of such shares.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 3.25pt 0 6pt">Safekeeping protects your shares against loss, theft or accidental
destruction and also provides a convenient way for you to keep track of your Fund shares. Only shares deposited with the Administrator
for safekeeping may be sold through the Plan. If you own Fund shares in certificated form, you may deposit your certificates for those
shares free of charge with the Administrator. Upon receipt of your certificate(s), the Administrator will cancel the certificate(s) and
deposit the shares in a book entry form. If you wish to deposit your certificate(s), you must send the unsigned certificates to Computershare,
P.O. Box 43006, Providence, RI 02940-3006. We strongly recommend that you send certificate(s) via overnight delivery or another form of
traceable mail, with return receipt requested, and ensure that the certificates are properly insured.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt"><B>Sale of shares</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 3.4pt 0 6pt">You can sell Fund shares held in your Plan account at any time
by contacting the Administrator over the Internet, by telephone or in writing. Your sale request will be processed and your shares will,
subject to market conditions and other factors, generally be sold within 24 hours of receipt</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2.95pt 6.85pt 0 5pt">of your request. Please note that the Administrator cannot
and does not guarantee the actual sale date or price, nor can it stop or cancel any outstanding sales or issuance requests. All requests
are final. The Administrator will mail a check to you (less applicable brokerage trading fees) on settlement date, which is two business
days after your shares have been sold.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 16.5pt 0 5pt">Alternatively, you may choose to sell your shares through your
stockbroker, in which case you would have to request that the Administrator electronically transfer your shares to your stockbroker through
the Direct Registration System.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 5pt"><B>Is there a cost to participate?</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 6.7pt 0 5pt">There are no brokerage charges for shares issued directly by
the Fund. However, whenever shares are purchased or sold on the NYSE or otherwise on the open market, each participant will pay a pro
rata portion of brokerage trading fees, currently $0.05 per share purchased or sold. Brokerage trading fees will be deducted from amounts
to be invested.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 5pt"><B>What are the tax implications for participants?</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 3pt 0 5pt">You will receive tax information annually for your personal records
and to help you prepare your federal income tax return. The automatic reinvestment of dividends and net capital gains distributions does
not relieve you of any income tax which may be payable on dividends or distributions. The amount of the dividend to be reported on Form
1099-DIV should be: (1) in the case of shares issued by the Fund, the fair market value of such shares on the dividend payment date; and
(2) in the case of shares purchased by the Administrator in the open market, the amount of cash used to purchase them (including the amount
of cash allocable to brokerage trading fees paid on such purchases).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 5pt"><B>Once enrolled in the Plan, may I withdraw from it?</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 13.7pt 0 5pt">You may withdraw from the Plan at any time by contacting the
Administrator by telephone, in writing or by visiting the Administrator&#8217;s Web site at
www.computershare.com/investor. Your withdrawal will be effective as specified in the Terms and Conditions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.5pt 0 5pt; text-align: justify">If you withdraw, your shares will be credited
to your account; or, if you wish, the Administrator will sell your full and fractional shares and send you the proceeds, less a transaction
fee of $5.00 and less brokerage trading fees of $0.05 per share.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 5pt"><B>May the Administrator terminate your participation in the Plan?</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 16.8pt 0 5pt">Yes. If you do not maintain at least one whole share of common
stock in the Plan account, the Administrator may terminate your participation in the Plan. If your participation has been terminated,
you will be sent a check for the cash value of any fractional share in the Plan account, less any applicable broker commissions and taxes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 5pt"><B>How do participating shareholders benefit?</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 5pt">By reinvesting your dividends in additional shares of the
Fund, you will build holdings in the Fund easily and automatically. In addition, you will be able to safekeep all your Fund shares
in your Plan account, which provides a convenient way for you to keep track of your Fund shares. You can also buy and sell Fund
shares through the Plan.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 11.15pt 0 6pt">You will receive a detailed account statement from the Administrator
showing total dividends and distributions, date of investment, shares acquired or sold (if applicable) and price per share, and total
shares of record held by you and by the Administrator for you. You will receive a proxy for your existing shares as well as the shares
purchased for you by the Administrator pursuant to the Plan. As long as you participate in the Plan, the Administrator will hold the shares
it has acquired for you in safekeeping, in non-certificated form. This convenience provides added protection against loss, theft or inadvertent
destruction of certificates.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt"><B>Whom should I contact for additional information?</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">You may address all notices, correspondence, questions or other
communications regarding the Plan to the following:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">Telephone</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.4pt 0 0 6pt">Customer Service (within the U.S. and Canada):</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">1-800-852-0218</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 3.75pt 0 6pt">An automated voice response system is available 24 hours a
day, 7 days a week. Customer service representatives are available from 9:00 a.m. to 5:00 p.m., Eastern Time, Monday through Friday (except
holidays).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">International Telephone Inquiries:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">1-201-680-6578</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><A NAME="a_Hlk75176471"></A>&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">For the Hearing Impaired (TDD):</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">1-800-368-0328</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt"><B>Internet</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">You can withdraw from the Plan, obtain information and perform
certain transactions on your Fund account online via Investor Center a www.computershare.com/investor.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt"><B>In writing</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.3pt 154pt 0 6pt">You also may write to the Administrator at the following
address:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.3pt 154pt 0 6pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.3pt 154pt 0 6pt">Computershare,</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">P.O. Box 505000</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 14.05pt 0 6pt">Louisville, KY 40233-5000</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 14.05pt 0 6pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 14.05pt 0 6pt">Be sure to include your name, address, daytime telephone number,
account number and a reference to the relevant Fund on all correspondence.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 11.75pt 0 6pt">If your shares are not held in your name, you should contact
your brokerage firm, bank or other nominee for more information and to see if your nominee will participate in the plan on your behalf.</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2.95pt 3.55pt 0 5pt">Each Fund and the Administrator may amend or terminate
the Plan. Participants generally will receive written notice at least 30 days before the effective date of any amendment. In the case
of termination, participants will receive written notice at least 30 days before the record date for the payment of any dividend or distribution
by a Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.5pt 0 5pt; text-align: justify">The Terms and Conditions of the Plan apply
to shareholders who participate in the Plan. Please review this brochure and the Terms and Conditions of the Dividend Reinvestment Plan
carefully to determine which alternative is best for you.</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2.95pt 0 0 5pt"><B>Terms and Conditions of the Dividend Reinvestment Plan</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.85pt 0 5pt">1. You, Computershare Trust Company, N.A., will act as agent
(the &#8220;Administrator&#8221;) for me, and will open an account for me under the Dividend Reinvestment Plan (the &#8220;Plan&#8221;)
in the same name as my present shares of the relevant John Hancock Closed-End Fund or Funds listed on Appendix A hereto (each a &#8220;Fund&#8221;)
are registered, and put the Plan into effect for me as of the earlier of the first cash purchase under the Plan or the first record date
for a dividend or distribution. Unless otherwise noted, references to a &#8220;Fund&#8221; in these Terms and Conditions shall apply equally
to each Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.55pt 0 5pt">2. Whenever the Fund declares any dividend or distribution
and the market price of the common shares on the payment date for the distribution or dividend payable is equal to or exceeds its net
asset value per share as determined on the payment date (&#8220;NAV&#8221;), the Fund will issue, and you will receive as my agent, common
shares at a value equal to the higher of NAV or</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 11.5pt 0 5pt">95% of the market price. The number of additional shares to
be credited to my account shall be determined by dividing the equivalent dollar amount of the distribution or dividend payable to me by
the higher NAV or 95% of the market price.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 11.8pt 0 5pt">3. Whenever the Fund declares any dividend or distribution
and the NAV of the common shares exceeds the market price of the common shares on the dividend payment date, or if the Board of Trustees
of the Fund declares a dividend payable only in cash, you will, as Administrator for me, apply the amount of such dividend or distribution
payable to me (less my pro rata share of brokerage trading fees incurred with respect to open-market purchases in connection with the
reinvestment of such dividend or distribution) to the purchase on the open market of shares for my account. Such purchases will be made
on or shortly after the payable date for such dividend or distribution, and in no event later than the day preceding the next ex- dividend
date, except where temporary curtailment or suspension of purchase is necessary to comply with applicable provisions of federal securities
laws.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 3.15pt 0 5pt">4. For purposes of Sections 2 and 3 of the Plan: (a) the market
price of the Fund&#8217;s shares on a particular date shall be the last sale price for the Fund&#8217;s shares in the market on that date
as of the close of regular trading on the New York Stock Exchange (NYSE), or, if there is no sale in the market on that date or sale prices
are not available, then the mean between the closing bid and asked quotations for such shares on such date; and (b) the Fund&#8217;s NAV
on a particular date shall be as determined by or on behalf of the Fund.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2.95pt 3.4pt 0 5pt">5. I understand that I have the option to purchase additional
Fund shares for cash under the Plan. Such purchases will be made on the open market. I may make cash investments of not less than $50,
up to a maximum of $10,000 per investment, not to exceed a total of $100,000 in any calendar year. A $5 transaction fee plus $0.05 per
share brokerage trading fee will be charged for each optional cash investment by check or one-time online bank debit. Cash investments
may be made upon enrollment in the Plan or at any time. Cash investments may be made by going online at www.computershare.com/investor
and authorizing a one-time online bank debit from my designated U.S. bank account or by submitting to the Administrator a check payable
to &#8220;Computershare&#8221; along with written instructions to use the investment to purchase Fund shares for my Plan account. A form
for use in making cash investments will be attached to the statements of account sent by the Administrator to participants. The Administrator
will not accept cash, traveler&#8217;s checks, money orders or third-party checks.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 3.9pt 0 5pt">I understand that I may contact the Administrator to
arrange for cash investments to be submitted by me to the Administrator by monthly recurring electronic funds transfer from my
designated U.S. bank account at any qualified financial institution that participates in the Automated Clearing House. Fund
transfers are made on the 25th day of each month, or if such date is not a business day, on the next business day. A $2 transaction
fee plus $0.05 per share brokerage trading fee will be charged for each recurring automatic purchase. I agree that my fund transfers
will continue until I notify the Administrator to change or discontinue them.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 3.65pt 0 5pt">I understand that cash investments will be invested monthly
by the Administrator and that no interest will be paid to me on cash investments held until the investment. There is no obligation to
make a cash investment. The number of shares to be added to my Plan account with respect to a cash investment will be determined by dividing
the cash investment by the price of the shares, including fractions of a share computed to four decimal places.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 3.65pt 0 5pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 3.65pt 0 5pt">I understand that the Administrator will wait up to three
business days after receipt of the check or electronic funds transfer to ensure it receives good funds and will then seek to purchase
shares from additional cash investments promptly on the investment date.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 3.65pt 0 5pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.15pt 0 5pt">I agree that if a cash investment submitted by me cannot be
collected by the Administrator due to insufficient funds, I will be charged $35. In addition, I authorize the Administrator to sell shares
in my Plan account to the extent necessary to pay the $35 charge and to pay the sales charges related to the sale, and to reimburse the
Administrator for any amounts expended to purchase shares that were added to my account in connection with the investment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.8pt 0 5pt">6. I may sell Fund shares held in my Plan account at any
time by contacting the Administrator over the Internet, by telephone or in writing. My sale request will be processed and my shares
will, subject to market conditions and other factors, generally be sold within 24 hours of receipt of your request. I acknowledge
that you cannot and do not guarantee the actual sale date or price, and cannot stop or cancel any outstanding sales or issuance
requests. All requests are final. The Administrator will mail a check to me (less applicable sales fees) on settlement date, which
is two business days after my shares have been sold.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 6.45pt 0 5pt">Alternatively, I may sell my shares through my stockbroker,
in which case I agree to request that the Administrator electronically transfer my shares to my stockbroker through the Direct Registration
System.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 24.35pt 0 5pt">7. I understand that all Fund shares acquired through the
Plan will be deposited for safekeeping with the Administrator. I also may deposit for safekeeping by the Administrator Fund shares that
I did not purchase under the Plan, including shares in certificated form, provided that the shares to be deposited are registered in my,
or if such shares are registered in another name, I have satisfied the requirements for transfer of such shares. I also understand that
shares deposited for safekeeping with the Administrator, which were in certificated form, will be canceled and deposited in a book entry
form.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9.35pt 0 6pt">8. Open-market purchases and sales provided for above may
be made on any securities exchange where the Fund&#8217;s shares are traded, in the over-the-counter market or in negotiated
transactions, and may be on such terms as to price, delivery and otherwise as you shall determine. It is understood that, in any
event, you shall have no liability in connection with any inability to purchase or sell shares within 30 days after the initial date
of such purchases as herein provided, or with the timing of any purchases effected. You shall have no responsibility as to the value
of the Fund&#8217;s shares acquired or sold for my account. For the purposes of purchases and sales in the open market, you may
aggregate my purchases and sales with those of other shareholders of the Fund for whom you similarly act as Administrator, and the
average price (including brokerage trading fees) of all shares purchased or sold by you as Administrator shall be the price per
share allocable to me in connection therewith.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">9. You may hold my shares acquired together with the shares of
other shareholders of the Fund acquired pursuant to similar authorizations, in non-certificated form in your name or that of your
nominee. You will forward to me any proxy solicitation material and will vote any shares so held for me only in accordance with the
proxy returned by me to the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.4pt 0 6pt">10. You will confirm to me each acquisition or sale made for
my account as soon as practicable, but not later than 60 days after the date thereof. Although I may from time to time have an undivided
fractional interest (computed to four decimal places) in a share of the Fund, I acknowledge that no certificate for a fractional share
will be issued to me. I acknowledge, however, that dividends and distributions on fractional shares will be credited to my account. In
the event of termination of my account under the Plan, you will adjust for any such undivided fractional interest in cash at the market
value of the Fund&#8217;s shares at the time of termination, less the pro rata expense of any sale required to make such an adjustment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.7pt 0 6pt">11. Any share dividends or split shares distributed by the Fund
on shares held by you for me will be credited to my account. In the event that the Fund makes available to its shareholders rights to
purchase additional shares or other securities, the shares held for me under the Plan will be added to other shares held by me in calculating
the number of rights to be issued to me.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.7pt 0 6pt">12. Your service fee
for handling distributions or dividends will be paid by the Fund. I will be charged a pro rata share of brokerage trading fees on all
open market purchases.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.45pt 0 6pt">13. I may terminate my account under the Plan by notifying
you in writing, by telephone or by visiting your Web site. Such termination will be effective immediately if my notice is received by
you prior to any dividend or distribution record date; otherwise, such termination will be effective on the first trading day after the
payment date for such dividend or distribution, with respect to any subsequent dividend or distribution. The Plan may be terminated by
you or the Fund upon notice in writing mailed to me at least 90 days prior to any record date for the payment of any dividend or distribution
by the Fund. If I elect by notice to you in advance of such termination to have you sell part or all of my shares and remit the proceeds
to me, you are authorized to deduct from the proceeds a $5.00 fee plus $0.05 per share brokerage trading fees for this transaction.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9.85pt 0 5pt">14. After terminating my account under the Plan, I may reopen
my account at any time by notifying you in writing, by telephone or by visiting your Web site. In such case, you will reopen my account
in the same manner as set forth in Section 1 above and will put the Plan into effect for me as of the earlier of the first cash purchase
under the Plan or the first record date for a dividend or distribution after you receive authorization from me.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 3.65pt 0 5pt">15. If I do not have
at least one whole share of the Fund, you may terminate my participation in the Plan after written notice, to be given reasonably in advance
of such termination and is mailed to me at my address of record. Upon such termination, my account shall be treated as if I had elected
to terminate my participation in the Plan pursuant to Section 13 hereof, except that you shall sell any such fractional share on the open
market and remit the proceeds to me, less any applicable broker commissions and taxes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9.9pt 0 5pt">16. These Terms and Conditions may be amended or
supplemented by you or the Fund at any time or times but, except when necessary or appropriate to comply with applicable law or the
rules or policies of the Securities and Exchange Commission or any other regulatory authority, only by mailing to me appropriate
written notice at least 90 days prior to the effective date thereof. The amendment or supplement shall be deemed to be accepted by
me unless, prior to the effective date thereof, you receive notice of the termination of my account under the Plan. Any such
amendment may include, without limitation, an appointment by you in your place and stead of a successor Administrator under these
Terms and Conditions, with full power and authority to perform all or any of the acts to be performed by the Administrator under
these Terms and Conditions. Upon any such appointment of any Administrator for the purpose of receiving dividends and distributions,
the Fund will be authorized to pay such successor Administrator, for my account, all dividends and distributions payable on shares
of the Fund held in my name or under the Plan for retention or application by such successor Administrator as provided in these
Terms and Conditions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 8.1pt 0 5pt">17. You shall at all times act in good faith and agree to use
your best efforts within reasonable limits to ensure the accuracy of all services performed under this Agreement and to comply with applicable
law, but assume no responsibility and shall not be liable for loss or damage due to errors unless such error is caused by your negligence,
bad faith or willful misconduct or that of your employees.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 5pt">18. This agreement shall be governed by the laws of The Commonwealth
of Massachusetts.</P>


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    <!-- Field: /Page --> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2.95pt 5.1pt 0 0; text-align: right">Appendix A</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 46.7pt"><B>John Hancock Closed-End Funds Offering the Dividend Reinvestment
Plan</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 248.45pt 0 6pt">John Hancock Financial Opportunities Fund</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 248.45pt 0 6pt">John Hancock Hedged Equity &amp; Income Fund</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 248.45pt 0 6pt">John
Hancock Income Securities Trust</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">John Hancock Investors Trust</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 273.35pt 0 6pt">John Hancock Preferred Income Fund</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 273.35pt 0 6pt">John Hancock Preferred
Income Fund II</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 273.35pt 0 6pt">John Hancock Preferred Income Fund III</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 273.35pt 0 6pt">John Hancock Premium Dividend Fund</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">John Hancock Tax-Advantaged Dividend Income Fund</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">John Hancock Tax-Advantaged Global Shareholder Yield Fund</P>

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<DOCUMENT>
<TYPE>EX-99.(2)(G)(1)
<SEQUENCE>7
<FILENAME>jhfof-html3755_ex992g1.htm
<DESCRIPTION>AMENDED AND RESTATED INVESTMENT ADVISORY AGREEMENT DATED JUNE 30, 2020 BETWEEN THE FUND AND JOHN HANCOCK INVESTMENT MANAGEMENT LLC (THE ADVISOR)
<TEXT>
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<HEAD>
<TITLE></TITLE>
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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">EXHIBIT (2)(g)(1)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>JOHN HANCOCK FINANCIAL OPPORTUNITIES FUND</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">AMENDED AND RESTATED ADVISORY AGREEMENT</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">Amended and Restated Advisory
Agreement dated ___ June 30 _____, 2020, between John Hancock Financial Opportunities Fund, a Massachusetts business trust (the
&#8220;Fund&#8221;), and John Hancock Investment Management LLC, a Delaware limited liability company (&#8220;JHIM&#8221; or the
&#8220;Adviser&#8221;). In consideration of the mutual covenants contained herein, the parties agree as follows:</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;APPOINTMENT
OF ADVISER</B></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">The Fund hereby appoints JHIM, subject
to the supervision of the Trustees of the Fund and the terms of this Agreement, as the investment adviser for the Fund. The Adviser accepts
such appointment and agrees to render the services and to assume the obligations set forth in this Agreement commencing on its effective
date. The Adviser will be an independent contractor and will have no authority to act for or represent the Fund in an<I>y</I> way or otherwise
be deemed an agent unless expressly authorized in this Agreement or another writing by the Fund and the Adviser.</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DUTIES
OF THE ADVISER</B></P>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">a.</TD><TD STYLE="text-align: justify">Subject to the general supervision of the Trustees of the Fund and the terms of this Agreement, the Adviser
will at its own expense, except as noted below, select and contract with investment subadvisers (&#8220;Subadvisers&#8221;) to manage
the investments and determine the composition of the assets of the Fund; provided, that any contract with a Subadviser (a &#8220;Subadvisory
Agreement&#8221;) shall be in compliance with and approved as required by the Investment Company Act of 1940, as amended (the &#8220;1940
Act&#8221;), except for such exemptions therefrom as may be granted to the Fund or the Adviser. Subject always to the direction and control
of the Trustees of the Fund, the Adviser will monitor each Subadviser&#8217;s management of the Fund&#8217;s investment operations in
accordance with the investment objectives and related investment policies, as set forth in the registration statement with the Securities
and Exchange Commission of the Fund under the management of such Subadviser, and review and report to the Trustees of the Fund on the
performance of such Subadviser.</TD></TR></TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">b.&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Adviser shall furnish to the Fund the following:</P>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">i.</TD><TD STYLE="text-align: justify"><U>Office and Other Facilities</U>. - The Adviser shall furnish to the Fund office space in the offices
of the Adviser or in such other place as may be agreed upon by the parties hereto from time to time, and all necessary office facilities
and equipment.</TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">ii.</TD><TD STYLE="text-align: justify"><U>Trustees and Officers</U>. - The Adviser agrees to permit individuals who are directors, officers or
employees of the Adviser to serve (if duly elected or appointed) as Trustees or President of the Fund without remuneration from or other
cost to the Fund.</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">iii.</TD><TD STYLE="text-align: justify"><U>Investment Personnel</U>. - The Adviser shall furnish to the Fund any personnel necessary for the oversight
and/or conduct of the investment operations of the Fund. For the elimination of doubt, however, the Adviser shall not be obligated to
furnish to the Fund pursuant to this Agreement personnel for the performance of functions: (a) related to and to be performed under any
other separate contract from time-to-time in effect between the Fund and the Adviser or another party for legal, accounting, administrative
and other any other non-investment related services; (b) related to and to be performed under the Fund contract for custodial, bookkeeping,
transfer and dividend disbursing agency services by the bank or other financial institution selected to perform such services; or (c)
related to the investment subadvisory services to be provided by any Subadviser pursuant to a Subadvisory Agreement.</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">iv.</TD><TD STYLE="text-align: justify"><U>Reports to Fund</U>. - The Adviser shall furnish to, or place at the disposal of, the Fund such information,
reports, valuations, analyses and opinions as the Fund may, at any time or from time to time, reasonably request or as the Adviser may
deem helpful to the Fund, provided that the expenses associated with any such materials furnished by the Adviser at the request of the
Fund shall be borne by the Fund.</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">c.</TD><TD STYLE="text-align: justify">In addition to negotiating and contracting with Subadvisers as set forth in section (2)(a) of this Agreement
and providing facilities, personnel and services as set forth in section (2)(b), the Adviser will pay the compensation of the President
and Trustees of the Fund who are also directors, officers or employees of the Adviser or its affiliates.</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">d.</TD><TD STYLE="text-align: justify">The Adviser may elect to manage the investments and determine the composition of the assets of the Fund,
subject to the approval of the Trustees of the Fund. In the event of such election, the Adviser, subject always to the direction and control
of the Trustees of the Fund, will manage the investments and determine the composition of the assets of the Fund in accordance with the
Fund&#8217;s registration statement, as amended. In fulfilling its obligations to manage the investments and reinvestments of the assets
of the Fund, the Adviser:</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">i.</TD><TD STYLE="text-align: justify">will obtain and evaluate pertinent economic, statistical, financial and other information affecting the
economy generally and individual companies or industries the securities of which are included in the Fund or are under consideration for
inclusion in the Fund;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">ii.</TD><TD STYLE="text-align: justify">will formulate and implement a continuous investment program for the Fund consistent with the investment
objectives and related investment policies for the Fund as described in the Fund&#8217;s registration statement, as amended;</TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">iii.</TD><TD STYLE="text-align: justify">will take whatever steps are necessary to implement these investment programs by the purchase and sale
of securities including the placing of orders for such purchases and sales;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">iv.</TD><TD STYLE="text-align: justify">will regularly report to the Trustees of the Fund with respect to the implementation of these investment
programs;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">v.</TD><TD STYLE="text-align: justify">will provide assistance to the Fund&#8217;s Custodian regarding the fair value of securities held by the
Fund for which market quotations are not readily available;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">vi.</TD><TD STYLE="text-align: justify">will furnish, at its expense: (i) all necessary investment and management facilities, including salaries
of personnel required for it to execute its duties faithfully; and (ii) administrative facilities, including bookkeeping, clerical personnel
and equipment necessary for the efficient conduct of the investment affairs of the Fund (excluding any such services that are the subject
of a separate agreement as may from time to time be in effect between the Fund and the Adviser or another party);</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">vii.</TD><TD STYLE="text-align: justify">will select brokers and dealers to effect all transactions subject to the following conditions: the Adviser
will place all necessary orders with brokers, dealers, or issuers, and will negotiate brokerage commissions if applicable; the Adviser
is directed at all times to seek to execute brokerage transactions for the Fund in accordance with such policies or practices as may be
established by the Trustees and described in the Fund&#8217;s registration statement as amended; the Adviser may pay a broker-dealer which
provides research and brokerage services a higher spread or commission for a particular transaction than otherwise might have been charged
by another broker-dealer, if the Adviser determines that the higher spread or commission is reasonable in relation to the value of the
brokerage and research services that such broker-dealer provides, viewed in terms of either the particular transaction or the Adviser&#8217;s
overall responsibilities with respect to accounts managed by the Adviser; and the Adviser may use for the benefit of its other clients,
or make available to companies affiliated with the Adviser for the benefit of such companies or their clients, any such brokerage and
research services that the Adviser obtains from brokers or dealers;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">viii.</TD><TD STYLE="text-align: justify">to the extent permitted by applicable laws and regulations, may, but shall be under no obligation to,
on occasions when the Adviser deems the purchase or sale of a security to be in the best interest of the Fund as well as other clients
of the Adviser, aggregate the securities to be purchased or sold to attempt to obtain a more favorable price or lower brokerage commissions
and efficient execution. In such event, allocation of the securities so purchased or sold, as well as the expenses incurred in the transaction,
will be made by the Adviser in the manner the Adviser considers to be the most equitable and consistent with its fiduciary obligations
to the Fund and to its other clients;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">ix.</TD><TD STYLE="text-align: justify">will maintain all accounts, books and records with respect to the Fund as are required of an investment
adviser of a registered investment company pursuant to the 1940 Act and the Investment Advisers Act of 1940, as amended (the &#8220;Advisers
Act&#8221;) and the rules thereunder; and</TD></TR></TABLE>


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<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">x.</TD><TD STYLE="text-align: justify">will vote all proxies received in connection with securities held by the Fund.</TD></TR></TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;EXPENSES
ASSUMED BY THE FUND</B></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">The Fund will pay all expenses of
its organization, operations and business not specifically assumed or agreed to be paid by the Adviser, as provided in this Agreement,
or by a Subadviser, as provided in a Subadvisory Agreement. Without limiting the generality of the foregoing, in addition to certain expenses
described in section 2 above, the Fund shall pay or arrange for the payment of the following:</P>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">a.</TD><TD STYLE="text-align: justify"><U>Edgarization, Printing and Mailing</U>. - Costs of edgarization, printing and mailing (i) all registration
statements (including all amendments thereto) and prospectuses/statements of additional information (including all supplements thereto),
all annual, semiannual and periodic reports to shareholders of the Fund, regulatory authorities or others, (ii) all notices and proxy
solicitation materials furnished to shareholders of the Fund or regulatory authorities and (iii) all tax returns;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">b.</TD><TD STYLE="text-align: justify"><U>Compensation of Officers and Trustees</U>. - Compensation of the officers and Trustees of the Fund
(other than persons serving as President or Trustee of the Fund who are also directors, officers or employees of the Adviser or its affiliates);</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">c.</TD><TD STYLE="text-align: justify"><U>Registration and Filing Fees</U>. - Registration, filing, blue-sky and other fees in connection with
requirements of regulatory authorities, including, without limitation, all fees and expenses of registering and maintaining the registration
of the Fund under the 1940 Act and the registration of the Fund&#8217;s shares under the Securities Act of 1933, as amended;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">d.</TD><TD STYLE="text-align: justify"><U>Custodial Services</U>. - The charges and expenses of the custodian appointed by the Fund for custodial
services;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">e.</TD><TD STYLE="text-align: justify"><U>Accounting Fees</U>. - The charges and expenses of the independent accountants retained by the Fund;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">f.</TD><TD STYLE="text-align: justify"><U>Legal, Accounting and Administrative Services</U>. - The charges and expenses of the Adviser or any
other party pursuant to any separate contract with the Fund from time to time in effect with respect to the provision of legal services
(including registering and qualifying Fund shares with regulatory authorities), as well as accounting, administrative and any other non-investment
related services;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">g.</TD><TD STYLE="text-align: justify"><U>Transfer, Bookkeeping and Dividend Disbursing Agents</U>. - The charges and expenses of any transfer,
bookkeeping and dividend disbursing agents appointed by the Fund;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">h.</TD><TD STYLE="text-align: justify"><U>Commissions</U>. - Broker&#8217;s commissions and issue and transfer taxes chargeable to the Fund in
connection with securities transactions to which the Fund is a party;</TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">i.</TD><TD STYLE="text-align: justify"><U>Taxes</U>. - Taxes and corporate fees payable by the Fund to federal, state or other governmental agencies
and the expenses incurred in the preparation of all tax returns;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">j.</TD><TD STYLE="text-align: justify"><U>Stock Certificates</U>. - The cost of stock certificates, if any, representing shares of the Fund;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">k.</TD><TD STYLE="text-align: justify"><U>Membership Dues</U>. - Association membership dues, as explicitly approved by the Trustees;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">l.</TD><TD STYLE="text-align: justify"><U>Insurance Premiums</U>. - Insurance premiums for fidelity, errors and omissions, directors and officers
and other coverage;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">m.</TD><TD STYLE="text-align: justify"><U>Shareholders and Trustees Meetings</U>. - Expenses of shareholders and Trustees meetings;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">n.</TD><TD STYLE="text-align: justify"><U>Pricing</U>. - Pricing of the Fund&#8217;s shares, including the cost of any equipment or services
used for obtaining price quotations and valuing Fund portfolio investments;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">o.</TD><TD STYLE="text-align: justify"><U>Interest</U>. - Interest on borrowings;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">p.</TD><TD STYLE="text-align: justify"><U>Communication Equipment</U>. - All charges for equipment or services used for communication between
the Adviser or the Fund and the custodian, transfer agent or any other agent selected by the Fund; and</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">q.</TD><TD STYLE="text-align: justify"><U>Nonrecurring and Extraordinary Expense</U>. - Such nonrecurring expenses as may arise, including the
costs of actions, suits, or proceedings to which the Fund is, or is threatened to be made, a party and the expenses the Fund may incur
as a result of its legal obligation to provide indemnification to its Trustees, officers, agents and shareholders<FONT STYLE="color: #312900">.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;COMPENSATION
OF ADVISER</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">Subject to the provisions of section
2(d) of this Agreement, the Adviser shall be entitled to a fee, paid daily, at such annual percentage rates, as specified in Appendix
A to this Agreement, of the average daily gross assets of the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;NON-EXCLUSIVITY</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">The services of the Adviser to the
Fund are not to be deemed to be exclusive, and the Adviser shall be free to render investment advisory or other services to others (including
other investment companies) and to engage in other activities. It is understood and agreed that the directors, officers and employees
of the Adviser are not prohibited from engaging in any other business activity or from rendering services to any other person, or from
serving as partners, officers, directors, trustees or employees of any other firm or corporation, including other investment companies.</P>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SUPPLEMENTAL
ARRANGEMENTS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">The Adviser may enter into arrangements
with other persons affiliated with the Adviser to better enable it to fulfill its obligations under this Agreement for the provision of
certain personnel and facilities to the Adviser.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CONFLICTS
OF INTEREST</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">It is understood that Trustees,
officers, agents and shareholders of the Fund are or may be interested in the Adviser as directors, officers, stockholders, or otherwise;
that directors, officers, agents and stockholders of the Adviser are or may be interested in the Fund as Trustees, officers, shareholders
or otherwise; that the Adviser may be interested in the Fund; and that the existence of any such dual interest shall not affect the validity
hereof or of any transactions hereunder except as otherwise provided in the Agreement and Declaration of Trust of the Fund or the organizational
documents of the Adviser or by specific provision of applicable law.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;REGULATION</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">The Adviser shall submit to all
regulatory and administrative bodies having jurisdiction over the services provided pursuant to this Agreement any information, reports
or other material which any such body by reason of this Agreement may request or require pursuant to applicable laws and regulations.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DURATION
AND TERMINATION OF AGREEMENT</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">This Agreement shall become effective
on the later of (i) its execution and (ii) the date of the meeting of the shareholders of the Fund, at which meeting this Agreement is
approved by the vote of a &#8220;majority of the outstanding voting securities&#8221; (as defined in the 1940 Act) of the Fund. The Agreement
will continue in effect for a period more than two years from the date of its execution only so long as such continuance is specifically
approved at least annually either by the Trustees of the Fund or by the vote of a majority of the outstanding voting securities of the
Fund provided that in either event such continuance shall also be approved by the vote of a majority of the Trustees of the Fund who are
not &#8220;interested persons&#8221; (as defined in the 1940 Act) of any party to this Agreement cast in person at a meeting called for
the purpose of voting on such approval. The required shareholder approval of the Agreement or of any continuance of the Agreement shall
be effective if a majority of the outstanding voting securities of the Fund votes to approve the Agreement or its continuance.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">Following the effectiveness of the
Agreement, if the Agreement terminates because the shareholders of the Fund fail to provide any requisite approval under the 1940 Act
for the continued effectiveness of the Agreement, the Adviser will continue to act as investment adviser with respect to the Fund pending
the required approval of the Agreement or its continuance or of a new contract with the Adviser or a different adviser or other definitive
action; provided, that the compensation received by the Adviser in respect of the Fund during such period will be no more than its actual
costs incurred in furnishing investment advisory and management services to the Fund or the amount it would have received under the Agreement
in respect of the Fund, whichever is less; provided further, for the elimination of doubt, the failure of shareholders of the Fund to
approve a proposed amendment to the</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Agreement is not a termination of the Agreement with
respect to the Fund and, in such event, the Agreement shall continue with respect to the Fund as previously in force and effect.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">This Agreement may be terminated
at any time, without the payment of any penalty, by the Trustees of the Fund, by the vote of a majority of the outstanding voting securities
of the Fund, on sixty days&#8217; written notice to the Adviser, or by the Adviser on sixty days&#8217; written notice to the Fund. This
Agreement will automatically terminate, without payment of any penalty, in the event of its &#8220;assignment&#8221; (as defined in the
1940 Act).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;PROVISION
OF CERTAIN INFORMATION BY ADVISER</B>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">The Adviser will promptly notify
the Fund in writing of the occurrence of any of the following:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">a.</TD><TD STYLE="text-align: justify">the Adviser fails to be registered as an investment adviser under the Advisers Act or under the laws of
any jurisdiction in which the Adviser is required to be registered as an investment adviser in order to perform its obligations under
this Agreement;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">b.</TD><TD STYLE="text-align: justify">the Adviser is served or otherwise receives notice of any action, suit, proceeding, inquiry or investigation,
at law or in equity, before or by any court, public board or body, involving the affairs of the Fund; and</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">c.</TD><TD STYLE="text-align: justify">the chief executive officer or managing member of the Adviser or the portfolio manager of the Fund changes.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;AMENDMENTS
TO THE AGREEMENT</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">This Agreement may be amended by
the parties only if such amendment is specifically approved by the vote of a majority of the outstanding voting securities of the Fund
and by the vote of a majority of the Trustees of the Fund who are not interested persons of any party to this Agreement cast in person
at a meeting called for the purpose of voting on such approval. The required shareholder approval shall be effective if a majority of
the outstanding voting securities of the Fund vote to approve the amendment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ENTIRE
AGREEMENT</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">This Agreement contains the entire
understanding and agreement of the parties.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>13.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;HEADINGS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">The headings in the sections of
this Agreement are inserted for convenience of reference only and shall not constitute a part hereof.</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>14.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;NOTICES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">All notices required to be given
pursuant to this Agreement shall be delivered or mailed to the last known business address of the Fund or Adviser in person or by registered
mail or a private mail or delivery service providing the sender with notice of receipt. Notice shall be deemed given on the date delivered
or mailed in accordance with this section.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>15.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SEVERABILITY</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">Should any portion of this Agreement
for any reason be held to be void in law or in equity, the Agreement shall be construed, insofar as is possible, as if such portion had
never been contained herein.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>16.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GOVERNING
LAW</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">The provisions of this Agreement
shall be construed and interpreted in accordance with the laws of The Commonwealth of Massachusetts, or any of the applicable provisions
of the 1940 Act. To the extent that the laws of The Commonwealth of Massachusetts, or any of the provisions in this Agreement, conflict
with applicable provisions of the 1940 Act, the latter shall control.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>17.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;NAME
OF THE FUND</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">The Fund may use the name &#8220;John
Hancock&#8221; or any name or names derived from or similar to the names &#8220;John Hancock Investment Management LLC,&#8221; or &#8220;John
Hancock Life Insurance Company (U.S.A.),&#8221; a Michigan domiciled insurance company, only for so long as this Agreement remains in
effect as to the Fund. At such time as this Agreement shall no longer be in effect as to the Fund, the Fund will (to the extent it lawfully
can) cease to use such a name or any other name indicating that the Fund is advised by or otherwise connected with the Adviser. The Fund
acknowledges that it has adopted the name John Hancock Financial Opportunities Fund through permission of John Hancock Life Insurance
Company (U.S.A.), and agrees that John Hancock Life Insurance Company (U.S.A.) reserves to itself and any successor to its business the
right to grant the non-exclusive right to use the name &#8220;John Hancock&#8221; or any similar name or names to any other corporation
or entity, including but not limited to any investment company of which John Hancock Life Insurance Company (U.S.A.) or any subsidiary
or affiliate thereof shall be the investment adviser.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>18.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;LIMITATION
OF LIABILITY UNDER THE DECLARATION OF TRUST</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">The Amended and Restated Declaration
of Trust establishing the Fund, dated January 22, 2016, a copy of which, together with all amendments thereto (the &#8220;Declaration&#8221;),
is on file in the office of the Secretary of The Commonwealth of Massachusetts, provides that no Trustee, shareholder, officer, employee
or agent of the Fund shall be subject to any personal liability in connection with Fund property or the affairs of the Fund and that all
persons should shall look solely to the Fund property for satisfaction of claims of any nature arising in connection with the affairs
of the Fund.</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>19.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;LIABILITY
OF THE ADVISER</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">In the absence of (a) willful misfeasance,
bad faith or gross negligence on the part of the Adviser in performance of its obligations and duties hereunder, (b) reckless disregard
by the Adviser of its obligations and duties hereunder, or (c) a loss resulting from a breach of fiduciary duty with respect to the receipt
of compensation for services (in which case any award of damages shall be limited to the period and the amount set forth in Section 36(b)(3)
of the 1940 Act), the Adviser shall not be subject to any liability whatsoever to the Fund, or to any shareholder for any error of judgment,
mistake of law or any other act or omission in the course of, or connected with, rendering services hereunder including, without limitation,
for any losses that may be sustained in connection with the purchase, holding, redemption or sale of any security on behalf of the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>20.&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;INDEMNIFICATION</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">a.</TD><TD STYLE="text-align: justify">To the fullest extent permitted by applicable law, the Fund shall indemnify the Adviser, its affiliates
and the officers, directors, employees and agents of the Adviser and its affiliates (each an &#8220;indemnitee&#8221;) against any and
all losses, claims, damages, liabilities or expenses (including reasonable counsel fees and expenses) resulting from any claim, demand,
action or suit relating to the Fund and not resulting from the willful misfeasance, bad faith, gross negligence, or reckless disregard
of the indemnitee in the performance of the obligations and duties of the indemnitee&#8217;s office. The federal and state securities
laws impose liabilities under certain circumstances on persons who act in good faith, and therefore nothing in this Agreement will waive
or limit any rights that the Fund may have under those laws. An indemnitee will not confess any claim or settle or make any compromise
in any instance in which the Fund will be asked to provide indemnification, except with the Fund&#8217;s prior written consent. Any amounts
payable by the Fund under this section shall be satisfied only against the assets of the Fund.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">b.</TD><TD STYLE="text-align: justify">Any indemnification or advancement of expenses made in accordance with this section shall not prevent
the recovery from any indemnitee of any amount if the indemnitee subsequently is determined in a final judicial decision on the merits
in any action, suit, investigation or proceeding involving the liability or expense that gave rise to the indemnification to be liable
to the Fund or its shareholders by reason of willful misfeasance, bad faith, gross negligence, or reckless disregard of the duties involved
in the conduct of the indemnitee&#8217;s office.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">c.</TD><TD STYLE="text-align: justify">The rights of indemnification provided in this section shall not be exclusive of or affect any other rights
to which any person may be entitled by contract or otherwise under law. Nothing contained in this section shall affect the power of the
Fund to purchase and maintain liability insurance on behalf of the Adviser or any indemnitee.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>21.&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;EXECUTION</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">This Agreement and any amendments
hereto and any notices or other communications hereunder that are required to be in writing may be in electronic form (including without
limitation by facsimile and, in the case of notices and other communications, email) and may be executed by means of electronic signatures.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">IN WITNESS WHEREOF, the parties hereto have caused this
Agreement to be executed under seal by their duly authorized officers as of the date first mentioned above.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>JOHN HANCOCK FINANCIAL OPPORTUNITIES FUND</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 35%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ <FONT STYLE="color: #111111">&nbsp;Andrew G. Arnott</FONT></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Andrew G. Arnott</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">President</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>JOHN HANCOCK INVESTMENT</B></FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>MANAGEMENT LLC</B></FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 27%">&nbsp;</TD>
    <TD STYLE="width: 65%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ <FONT STYLE="color: #111111">&nbsp;Jay Aronowitz</FONT></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Jay Aronowitz</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Chief Investment Officer</FONT></TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>APPENDIX A</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Advisory Fee Schedule</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 40%; font: 11pt Garamond, Times, Serif; text-align: justify; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>Fund</U></B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 60%; font: 11pt Garamond, Times, Serif; text-align: justify; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>Fees</U></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; font: 11pt Garamond, Times, Serif; text-align: justify; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Financial Opportunities Fund</FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1.150% on the first $500 Million of Average Daily Gross Assets</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; font: 11pt Garamond, Times, Serif; text-align: justify; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 11pt Garamond, Times, Serif; text-align: justify; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1.00% on the Average Daily Gross Assets in Excess of $500 Million</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">&#8220;Gross assets&#8221; of the
Fund means total assets of the fund, including any form of investment leverage minus all accrued expenses incurred in the normal course
of operations but not excluding any liabilities or obligations attributable to investment leverage obtained through (i) indebtedness of
any type (including, without limitation, borrowing through a credit facility/commercial paper program or other forms of borrowings or
the issuance of debt securities), (ii) the issuance of preferred shares or other similar preference securities, and/or (iii) any other
means.</P>



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<DOCUMENT>
<TYPE>EX-99.(2)(G)(2)
<SEQUENCE>8
<FILENAME>jhfof-html3755_ex992g2.htm
<DESCRIPTION>SUB-ADVISORY AGREEMENT DATED DECEMBER 31, 2005 WITH THE ADVISOR AND MANULIFE INVESTMENT MANAGEMENT (US) LLC
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: right">EXHIBIT (2)(g)(2)</P>

<P STYLE="font: italic 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: right">Execution Copy</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">JOHN HANCOCK FUNDS<BR>
<BR>
<FONT STYLE="font-weight: normal">SUB-ADVISORY AGREEMENT</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">AGREEMENT made this 31<SUP>th</SUP> day of December,
2005, among John Hancock Advisers, LLC, a Delaware limited liability company (the &#8220;Adviser&#8221;), Sovereign Asset Management LLC,
a Delaware limited liability company (the &#8220;Sub-adviser&#8221;), and each of the trusts that is a signatory hereto (each, a &#8220;Trust&#8221;
and together, as applicable, the &#8220;Trusts&#8221;). In consideration of the mutual covenants contained herein, the parties agree as
follows:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">1.</TD><TD>APPOINTMENT OF SUB-ADVISER</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">The Sub--adviser undertakes to act as investment
sub-adviser to each of the Trusts and the series thereof (each a &#8220;Fund&#8221;), in each case listed on <U>Appendix A </U>to this
Agreement, as such Appendix may be amended by the affected Trust(s), the Adviser and the Sub-adviser from time to time, and, subject to
the supervision and control of the Trustees of each Trust and the terms of this Agreement, to manage the investment and reinvestment of
the assets of the Funds. The Sub-adviser will be an independent contractor and will have no authority to act for or represent any Trust,
any Fund or the Adviser in any way except as expressly authorized in this Agreement or another writing by the applicable Trust or the
Adviser. The Sub-adviser and the Adviser are currently affiliates under the common control of Manulife Financial Corporation.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">2.</TD><TD>SERVICES TO BE RENDERED BY THE SUB-ADVISER TO THE TRUSTS AND THE FUNDS</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">a.</TD><TD>Subject always to the direction and control of the Trustees of each Trust, the Sub-adviser shall have investment discretion over the
assets of each Fund and will manage the investments and determine the composition of these assets in accordance with the applicable Trust&#8217;s
registration statement, as amended. In fulfilling its obligations to manage the investments and reinvestments of the assets of each Fund,
the Sub-adviser will:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">i.</TD><TD>obtain and evaluate pertinent economic, statistical, financial and other information affecting the economy generally and individual
companies or industries the securities of which are included in a Fund&#8217;s portfolio or are under consideration for inclusion in a
Fund&#8217;s portfolio;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">ii.</TD><TD>formulate and implement a continuous investment program for each Fund that is consistent with the investment objectives and related
investment policies for such Fund as described in the applicable Trust&#8217;s registration statement, as amended, copies of which shall
be furnished to the Sub-adviser promptly upon amendment;</TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">iii.</TD><TD>take whatever steps are necessary to implement these investment programs by the purchase and sale of securities, including the placing
of orders for such purchases and sales;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">iv.</TD><TD>regularly report to the Trustees of each Trust and to the Adviser with respect to the implementation of these investment programs;
and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">v.</TD><TD>provide assistance to each Trust&#8217;s custodian regarding the fair value of securities held by each Fund for which market quotations
are not readily available.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">b.</TD><TD>The Sub-adviser, at its expense, will furnish all necessary investment and management facilities, including salaries of personnel
required for it to execute its duties faithfully.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">c.</TD><TD>The Sub-adviser will select brokers and dealers to effect all transactions subject to the following conditions: The Sub-adviser will
place all necessary orders with brokers, dealers, or issuers and will negotiate brokerage commissions, if applicable. The Sub-adviser
is directed at all times to seek to execute brokerage transactions for each Fund in accordance with such policies or practices as may
be established by the Trustees and described in the applicable Trust&#8217;s registration statement, as amended, and consistent with its
fiduciary obligation to seek best execution. Subject to policies established from time to time by the Board of Trustees of the Trusts,
the Sub-adviser may pay a broker-dealer which provides research and brokerage services a higher spread or commission for a particular
transaction than otherwise might have been charged by another broker-dealer if the Sub-adviser determines that the higher spread or commission
is reasonable in relation to the value of the brokerage and research services that such broker-dealer provides, viewed in terms of either
the particular transaction or the Sub-adviser&#8217;s overall responsibilities with respect to accounts managed by the Sub-adviser. The
Sub-adviser may use for the benefit of the Sub-adviser&#8217;s other clients, or make available to companies affiliated with the Sub-adviser
or to its directors for the benefit of their clients, any such brokerage and research services that the Sub-adviser obtains from brokers
or dealers.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">d.</TD><TD>On occasions when the Sub-adviser deems the purchase or sale of a security to be in the best interest of a Fund as well as other clients
of the Sub-adviser, the Sub-adviser, to the extent permitted by applicable laws and regulations, may, but shall be under no obligation
to, aggregate the securities to be purchased or sold to attempt to obtain a more favorable price or lower brokerage commissions and efficient
execution. In such event, allocation of the securities so purchased or sold, as well as the expenses incurred in the transaction, will
be made by the Sub-adviser in the manner the Sub-adviser considers to be the most equitable and consistent with its fiduciary obligations
to each Fund and to its other clients.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">e.</TD><TD>The Sub-adviser will maintain all accounts, books and records with respect to each Fund as are required of an investment sub-adviser
of a registered investment company pursuant to the Investment Company Act of 1940, as amended (the &#8220;Investment Company Act&#8221;)
and Investment Advisers Act of 1940, as amended (the &#8220;Investment Advisers Act&#8221;) and the rules thereunder.</TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">f.</TD><TD>The Sub-adviser shall vote proxies relating to each Fund&#8217;s investment securities in accordance with the applicable Trust&#8217;s
proxy voting policies and procedures, which provide that the Sub-adviser shall vote all proxies relating to securities held by a Fund
and, subject to the applicable Trust&#8217;s policies and procedures, shall use proxy voting policies and procedures adopted by the Sub-adviser
in conformance with Rule 206(4)-6 under the Investment Advisers Act. The Sub-adviser shall review its proxy voting activities on a periodic
basis with the Trustees and with the Adviser.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">3.</TD><TD>COMPENSATION OF SUB-ADVISER</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">The Adviser will pay the Sub-adviser with respect
to each Fund the compensation specified in Appendix A to this Agreement.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">4.</TD><TD>LIABILITY OF SUB-ADVISER</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">Neither the Sub-adviser nor any of its directors,
officers or employees shall be liable to the Adviser or any Trust or Fund for any error of judgment or mistake of law or for any loss
suffered by the Adviser, Trust or Fund in connection with the matters to which this Agreement relates, except for losses resulting from
willful misfeasance, bad faith or gross negligence in the performance of, or from the reckless disregard of, the duties of the Sub-adviser
or any of its directors.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">5.</TD><TD>CONFLICTS OF INTEREST</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">It is understood that trustees, officers, agents,
members and shareholders of the Trusts are or may be interested in the Sub-adviser as trustees, officers, partners, shareholders, members
or otherwise; that employees, agents, shareholders, members and partners of the Sub-adviser are or may be interested in a Trust as trustees,
officers, shareholders, members or otherwise; that the Subadviser may be interested in the Trusts; and that the existence of any such
dual interest shall not affect the validity hereof or of any transactions hereunder, except as otherwise provided in the Agreement and
Declaration of Trust of the applicable Trust and the limited liability company agreement of the Sub-adviser, respectively, or by specific
provision of applicable law.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">6.</TD><TD>REGULATION</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">The Sub-adviser shall comply with all applicable
laws and regulations in providing the services contemplated hereunder. Without limiting the foregoing, the Sub-adviser shall provide all
information reasonably requested of it by the Board of Trustees of the Trusts in accordance with its duty to do so under Section 15(c)
of the Investment Company Act and the Sub-adviser shall submit to all regulatory and administrative bodies having jurisdiction over the
services provided pursuant to this Agreement any information, reports or other material which any such body, by reason of this Agreement,
may request or require pursuant to applicable laws and regulations.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">7.</TD><TD>DURATION AND TERMINATION OF AGREEMENT</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0pt; text-indent: 36pt">This Agreement shall become effective with respect
to each Fund on the later of its execution, (ii) the date of the meeting of the Board of Trustees of the applicable Trust, at which</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 0pt">meeting this Agreement is approved as described
below and (iii) immediately following the close of business on December 31, 2005. The Agreement will continue in effect with respect to
a Fund for a period more than two years from its effective date only so long as such continuance is specifically approved at least annually
either by the Trustees of the applicable Trust or by a majority of the outstanding voting securities of the applicable Fund, provided
that in either event such continuance shall also be approved by the vote of a majority of the Trustees of the applicable Trust who are
not interested persons (as defined in the Investment Company Act) of any party to this Agreement cast in person at a meeting called for
the purpose of voting on such approval. Any required shareholder approval of the Agreement or of any continuance of the Agreement shall
be effective with respect to any Fund if a majority of the outstanding voting securities of the series (as defined in Rule 18f-2(h) under
the Investment Company Act) of shares of that Fund votes to approve the Agreement or its continuance, notwithstanding that the Agreement
or its continuance may not have been approved by a majority of the outstanding voting securities of any other Fund affected by the Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">If any required shareholder approval of this Agreement
or any continuance of the Agreement is not obtained, the Sub-adviser will continue to act as investment sub-adviser with respect to such
Fund pending the required approval of the Agreement or its continuance or of a new contract with the Sub-adviser or a different adviser
or sub-adviser or other definitive action; provided, that the compensation received by the Sub-adviser in respect of such Fund during
such period is in compliance with Rule 15a-4 under the Investment Company Act.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">This Agreement may be terminated at anytime, without
the payment of any penalty, as to a Fund by the Trustees of the applicable Trust or by the vote of a majority of the outstanding voting
securities of the applicable Fund, on sixty days&#8217; written notice to the Adviser and the Sub-adviser, or by the Adviser or Sub-adviser
on sixty days&#8217; written notice to the applicable Trust and the other party. This Agreement will automatically terminate, without
the payment of any penalty, in the event of its assignment (as defined in the Investment Company Act) or in the event the advisory agreement
between the Adviser and the applicable Trust terminates for any reason.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">8.</TD><TD>PROVISION OF CERTAIN INFORMATION BY SUB-ADVISER</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">The Sub-adviser will promptly notify the Adviser
and the Trusts in writing of the occurrence of any of the following events:</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">a.</TD><TD>the Sub-adviser fails to be registered as an investment adviser under the Investment Advisers Act or under the laws of any jurisdiction
in which the Sub-adviser is required to be registered as an investment adviser in order to perform its obligations under this Agreement;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">b.</TD><TD>the Sub-adviser is served or otherwise receives notice of any action, suit, proceeding, inquiry or investigation, at law or in equity,
before or by any court, public board or body, involving the affairs of any Trust; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">c.</TD><TD>any change in actual control or management of the Sub-adviser or the portfolio manager of any Fund.</TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">9.</TD><TD>SERVICES TO OTHER CLIENTS</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">The Adviser understands, and has advised each
Trust&#8217;s Board of Trustees, that the Sub-adviser now acts, or may in the future act, as an investment adviser to fiduciary and other
managed accounts and as investment adviser or sub-adviser to other investment companies. Further, the Adviser understands, and has advised
each Trust&#8217;s Board of Trustees, that the Sub-adviser and its affiliates may give advice and take action for other accounts, including
investment companies, which differs from advice given or the timing or nature of action taken for a Fund. The Sub-adviser is not obligated
to initiate transactions for a Fund in any security that the Sub-adviser, its partners, affiliates or employees may purchase or sell for
their own accounts or other clients.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">10.</TD><TD>CONSULTATION WITH OTHER SUB-ADVISERS</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">As required by Rule 17a-10 under the Investment
Company Act, the Sub-adviser is prohibited from consulting with the entities listed below concerning transactions for a Fund in securities
or other assets:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: 0pt">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;other
sub-advisers to the Fund</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: 0pt">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;other
sub-advisers to any other Fund</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt 36pt; text-indent: 0pt">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;other
sub-advisers to a Fund under common control with such Fund</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt">provided, however, the Sub-adviser may consult with any entity listed
above that is an affiliate of the Sub-adviser.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">11.</TD><TD>ONGOING RESPONSIBILITIES OF THE ADVISER.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">The Adviser understands, and has advised the Trustees
of the Trusts, that during the term of this Agreement the Adviser shall retain responsibility for (i) providing the services set forth
in Section 2 of this Agreement to the Trusts in the event the Sub-adviser fails, for whatever reason, to provide such services and (ii)
ensuring that the services provided by the Sub-adviser to the Trusts pursuant to this Agreement are rendered in a manner such that the
nature and quality of such services are at least comparable to the nature and quality of the investment advisory services heretofore rendered
to the Trusts by the Adviser. Nothing in this Agreement is intended to limit or terminate the Adviser&#8217;s responsibilities under the
Advisory Agreement, which obligations, including the indemnification provisions thereof, shall remain in full force and effect.</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">12.</TD><TD>AMENDMENTS TO THE AGREEMENT</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0pt; text-indent: 36pt">This Agreement (with the exception of Appendix
A, which may be amended by the Adviser and the Sub-adviser from time to time) may be amended by the parties hereto only if such amendment
is specifically approved by the vote of a majority of the Trustees of each affected Trust and by the vote of a majority of the Trustees
of each affected Trust who are not interested persons of any party to this Agreement cast in person at a meeting called for the purpose
of voting ort such approval. Any required shareholder approval shall be effective with respect to any Fund if a majority of the outstanding
voting securities of that Fund votes to approve the amendment, notwithstanding that the amendment may not have been approved by a majority of the outstanding voting securities of
(a) any other Fund affected by the amendment or (b) all the Funds of the applicable Trust. No amendment shall be effective unless it is
in writing and signed by all parties hereto.</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">13.</TD><TD>ENTIRE AGREEMENT</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">This Agreement contains the entire understanding
and agreement of the parties.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">14.</TD><TD>HEADINGS</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">The headings in the sections of this Agreement
are inserted for convenience of reference only and shall not constitute a part hereof.</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">15.</TD><TD>NOTICES</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">All notices required to be given pursuant to this
Agreement shall be delivered or mailed to the last known business address of the affected Trusts or applicable party in person or by registered
mail or a private mail or delivery service providing the sender with notice of receipt. Notice shall be deemed given on the date delivered
or mailed in accordance with this paragraph.</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">16.</TD><TD>SEVERABILITY</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">Should any portion of this Agreement for any reason
be held to be void in law or in equity, this Agreement shall be construed, insofar as is possible, as if such portion had never been contained
herein.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">17.</TD><TD>GOVERNING LAW</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">The provisions of this Agreement shall be construed
and interpreted in accordance with the laws of The Commonwealth of Massachusetts, or any of the applicable provisions of the Investment
Company Act. To the extent that the laws of The Commonwealth of Massachusetts, or any of the provisions in this Agreement, conflict with
applicable provisions of the Investment Company Act, the latter shall control.</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">18.</TD><TD>LIMITATION OF LIABILITY</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0pt; text-indent: 36pt">The Agreement and Declaration of Trust of each
Trust, a copy of which, together with all amendments thereto (the &#8220;Declaration&#8221;), is on file in the office of the Secretary
of The Commonwealth of Massachusetts, provides that the name of the applicable Trust refers to the Trustees under the Declaration collectively
as Trustees, but not as individuals or personally; and no Trustee, shareholder, officer, employee or agent of the Trust shall be held
to any personal liability, nor shall resort be had to their private property, for the satisfaction of any obligation or claim, in connection
with the affairs of the Trust or any Fund thereof, but only the assets belonging to the Trust, or to the particular Fund with respect
to which such obligation or claim arose, shall be liable.</P>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">19.</TD><TD>CONFIDENTIALITY OF FUND HOLDINGS</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">The Sub-adviser agrees to treat the portfolio
security positions of each Fund as confidential information in accordance with the applicable Trust&#8217;s &#8220;Policy Regarding Disclosure
of Fund Holdings,&#8221; as such policy may be amended from time to time, and to prohibit its employees from trading on any such confidential
information. The policy and any such amendment shall not be binding upon the Sub-adviser until a copy has been provided to the Sub-adviser.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">20.</TD><TD>COMPLIANCE</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">Upon execution of this Agreement, the Sub-adviser
shall provide the Adviser and the Trusts with the Sub-adviser&#8217;s written policies and procedures (&#8220;Compliance Policies&#8221;)
as required by Rule 206(4)-7 under the Investment Advisers Act. Throughout the term of this Agreement, the Sub-adviser shall promptly
submit to the affected Trust and the Adviser: (i) any material changes to the Compliance Policies, (ii) notification of the commencement
of any regulatory examination of the Sub-adviser and documentation describing the results of any such examination and of any periodic
testing of the Compliance Policies, and (iii) notification of any material compliance matter that relates to the services provided by
the Sub-adviser to any Trust, including but not limited to any material violation of the Compliance Policies or of the Sub-adviser&#8217;s
code of ethics. Throughout the term of this Agreement, the Sub-adviser shall provide the Adviser and the Trust with any certifications,
information and access to personnel and resources (including those resources that will permit testing of the Compliance Policies by the
Adviser) that the Trust and/or the Adviser may reasonably request to enable the Trusts to comply with Rule 38a-1 under the Investment
Company Act.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0pt"><B>(THE REMAINDER OF THIS SPACE HAS BEEN INTENTIONALLY
LEFT BLANK)</B></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">IN WITNESS WHEREOF, the parties hereto have caused
this Agreement to be executed under seal by their duly authorized officers as of the date first mentioned above.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">JOHN HANCOCK ADVISERS, LLC</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 35%; font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ John G. Vrysen</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John G. Vrysen</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Executive Vice President and Chief <BR>
Financial Officer</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">SOVEREIGN ASSET MANAGEMENT LLC</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 35%; padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Barry H. Evans</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Barry H. Evans</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Senior Vice President and Chief <BR>
Operating Officer</FONT></TD></TR>
  </TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">IN WITNESS WHEREOF, the parties hereto have caused
this Agreement to be executed under seal by their duly authorized officers as of the date first mentioned above.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; width: 58%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 42%; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK CURRENT INTEREST </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">on behalf of</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Money Market Fund</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock U.S. Government Cash Reserve</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK SOVEREIGN BOND FUND </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">on behalf of</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Bond Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK STRATEGIC SERIES</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">on behalf of</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Strategic Income Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK BOND TRUST</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">on behalf of</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Government Income Fund </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock High Yield Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Investment Grade Bond Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK TAX-EXEMPT SERIES FUND</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">on behalf of</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Massachusetts Tax-Free Income Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock New York Tax-Free Income Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK CALIFORNIA TAX-FREE INCOME FUND</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK MUNICIPAL SERIES TRUST</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">on behalf of</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock High Yield Municipal Bond Fund </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Tax-Free Bond Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK EQUITY TRUST </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">on behalf of</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Growth Trends Fund</FONT></TD></TR>
  </TABLE>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 58%">&nbsp;</TD>
    <TD STYLE="width: 42%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Technology Leaders Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK INVESTMENT TRUST II</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">on behalf of</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Financial Industries Fund </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Regional Bank Fund</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Small Cap Equity Fund</P>

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK INVESTMENT TRUST III</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">on behalf of</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Mid Cap Growth Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK WORLD FUND</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">on behalf of</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Health Sciences Fund</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK SERIES TRUST</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">on behalf of</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Focused Equity Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Mid Cap Equity Fund </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Multi Cap Growth Fund <BR>
John Hancock Real Estate Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Small. Cap Growth Fund,<BR>
    John Hancock Technology Fund</P>

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK INVESTMENT TRUST</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">on behalf of</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Balanced Fund</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Large Cap Equity Fund</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Large Cap Intrinsic Value Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Small Cap Intrinsic Value Fund <BR>
John Hancock Sovereign Investors Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK PATRIOT PREFERRED DIVIDEND FUND</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK PREFERRED INCOME FUND III</FONT></TD></TR>
  </TABLE>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 58%">&nbsp;</TD>
    <TD STYLE="width: 42%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK PATRIOT SELECT DIVIDEND TRUST</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK PATRIOT GLOBAL DIVIDEND FUND</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK PREFERRED INCOME FUND</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK PREFERRED INCOME FUND II</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK PATRIOT PREMIUM DIVIDEND FUND I</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK BANK AND THRIFT OPPORTUNITY FUND</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK PATRIOT PREMIUM DIVIDEND FUND II</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK INCOME SECURITIES TRUST</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK INVESTORS TRUST</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK TAX-ADVANTAGED DIVIDEND INCOME FUND</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Executed on behalf of each Trust and its relevant Series referenced above:</FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 59%">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 35%; padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Keith F. Hartstein</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Keith F. Hartstein</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title: </FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">President and Chief Executive Officer</FONT></TD></TR>
  </TABLE>



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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>APPENDIX A</U></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">The Sub-adviser shall serve as investment sub-adviser
for each Fund listed below. The Adviser will pay the Sub-adviser, as full compensation for all services provided under this Agreement
with respect to each Fund, the fee computed separately for such Fund at an annual rate as follows (the &#8220;Sub-adviser Fee&#8221;):</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 49%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>Trust and Fund</U></B></FONT></TD>
    <TD STYLE="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="width: 44%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-indent: 0pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>Percentage of <BR>
Average Daily Net <BR>
Assets</U></B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">(See attachment to Appendix A)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">The Sub-adviser Fee for each Fund shall be accrued
for each calendar day, and the sum of the daily fee accruals shall be paid monthly to the Sub-adviser <B>within 30 calendar days of the
end of each month</B>. The daily fee accruals will be computed by multiplying the fraction of one over the number of calendar days in
the year, by the applicable Sub-adviser Fee, and multiplying this product by the net assets of the Fund. <B>The Adviser shall provide
the Sub-adviser with such information as the Sub-adviser may reasonably request supporting the calculation of the fees paid to it hereunder.
Fees shall be paid either by wire transfer or check, as directed by the Sub-adviser.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0pt; text-indent: 36pt">If, with respect to any Fund, this Agreement becomes
effective or terminates, or if the manner of determining the applicable Sub-adviser Fee changes, before the end of any month, the fee
(if any) for the period from the effective date to the end of such month or from the beginning of such month to the date of termination
or from the beginning of such month to the date of such change, as the case may be, shall be pro rated according to the proportion which
such period bears to the full month in which such effectiveness or termination or change occurs.</P>


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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">APPENDIX A</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">The Sub-adviser shall serve as investment sub-adviser
for each Fund listed below. The Adviser will pay the Sub-adviser, as full compensation for all services provided under this Agreement
with respect to each Fund, the fee computed separately for such Fund at an annual rate as follows (the &#8220;Sub-adviser Fee&#8221;):</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 49%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>Trust and Fund</U></B></FONT></TD>
    <TD STYLE="width: 7%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="width: 44%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-indent: 0pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>Percentage of <BR>
Average Daily Net <BR>
Assets</U></B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">(See attachment to Appendix A)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">The Sub-adviser Fee for each Fund shall be accrued
for each calendar day, and the sum of the daily fee accruals shall be paid monthly to the Sub-adviser <B>within 30 calendar days of the
end of each month</B>. The daily fee accruals will be computed by multiplying the fraction of one over the number of calendar days in
the year, by the applicable Sub-adviser Fee, and multiplying this product by the net assets of the Fund. <B>The Adviser shall provide
the Subadviser with such information as the Sub-adviser may reasonably request supporting the calculation of the fees paid to it hereunder.
Fees shall be paid either by wire transfer or check, as directed by the Sub-adviser.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0pt; text-indent: 36pt">If, with respect to any Fund, this Agreement becomes
effective or terminates, or if the manner of determining the applicable Sub-adviser Fee changes, before the end of any month, the fee
(if any) for the period from the effective date to the end of such month or from the beginning of such month to the date of termination
or from the beginning of such month to the date of such change, as the case may be, shall be pro rated according to the proportion which
such period bears to the full month in which such effectiveness or termination or change occurs.</P>


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<DOCUMENT>
<TYPE>EX-99.(2)(G)(3)
<SEQUENCE>9
<FILENAME>jhfof-html3755_ex992g3.htm
<DESCRIPTION>SUB-ADVISORY AGREEMENT AMENDMENT DATED JANUARY 18, 2013
<TEXT>
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<TITLE></TITLE>
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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">EXHIBIT (2)(g)(3)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: center"><B>JOHN HANCOCK FINANCIAL OPPORTUNITIES FUND</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: center"><B>AMENDMENT TO SUBADVISORY AGREEMENT</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Appendix A </B>referenced in Section 3 COMPENSATION
OF SUB-ADVISER of the Fund&#8217;s Subadvisory Agreement dated December 31, 2005, is hereby amended, effective January 18, 2013, to reflect
the following:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0 0 3pt; width: 50%; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Fund</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0 0 3pt; width: 50%; font: 12pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Percentage of Average Daily Gross Assets</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 0 0">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Financial Opportunities Fund</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.5in">Subadvisory</P></TD>
    <TD STYLE="padding: 3pt 0 0">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">All Gross Assets</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">[ ]%</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&#8220;Gross assets&#8221; of the Fund means total
assets of the Fund, including any form of investment leverage, minus all accrued expenses incurred in the normal course of operations,
but not excluding any liabilities or obligations attributable to investment leverage obtained through (i) indebtedness of any type (including,
without limitation, borrowing through a credit facility/commercial paper program or other forms of borrowings or the issuance of debt
securities), (ii) the issuance of preferred shares or other similar preference securities, and/or (iii) any other means.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Executed this 18<SUP>th</SUP> day of January, 2013.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: -36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: -36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>JOHN HANCOCK
    FINANCIAL OPPORTUNITIES FUND </B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 58%; padding-right: -36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 7%; padding-right: -36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 35%; padding-right: -36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #111111">/s/ Andrew G. Arnott</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #111111">Andrew G. Arnott</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Executive Vice President</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: -36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: -36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>JOHN HANCOCK
    ASSET MANAGEMENT</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: -36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: -36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>A DIVISION
    OF MANULIFE ASSET </B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: -36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: -36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>MANAGEMENT
    (US) LLC</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: -36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: -36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: -36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #111111">/s/&nbsp;Diane R. Landers </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Diane R. Landers</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title: &nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Chief Administrative Officer</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 9pt; padding-right: -36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 9pt; padding-right: -36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>JOHN
    HANCOCK ADVISERS, LLC</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: -36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: -36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: -36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #111111">/s/ Jeffrey H. Long</FONT></TD></TR>
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    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Jeffrey H. Long</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Chief Financial Officer</FONT></TD></TR>
  </TABLE>

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<DOCUMENT>
<TYPE>EX-99.(2)(H)(1)
<SEQUENCE>10
<FILENAME>jhfof-html3755_ex992h1.htm
<DESCRIPTION>FORM OF DISTRIBUTION AGREEMENT BETWEEN JOHN HANCOCK INVESTMENT MANAGEMENT DISTRIBUTORS LLC (THE DISTRIBUTOR) AND THE FUND
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>EXHIBIT (2)(h)(1)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">FORM OF DISTRIBUTION AGREEMENT</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">JOHN HANCOCK FINANCIAL OPPORTUNITIES FUND</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">200 Berkeley Street</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Boston, Massachusetts 02116</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 9pt 0 0">[__________], 2021</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 9pt 0 0">John Hancock Investment Management Distributors LLC</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">200 Berkeley Street</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Boston, Massachusetts 02116</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Re:&#9;&nbsp;&nbsp;&nbsp;&nbsp;Distribution Agreement Relating to At-the-Market Offerings</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt">Ladies and Gentlemen:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">John Hancock Financial Opportunities Fund is
a Massachusetts business trust operating as a closed-end management investment company (hereinafter referred to as the &#8220;Fund&#8221;).
The Fund has filed an &#8220;automatic shelf registration statement&#8221; as defined under Rule 405 under the Securities Act of 1933,
as amended (the &#8220;1933 Act&#8221;) on Form N-2 (File Nos. __________ and 811-08658) (the &#8220;Registration Statement&#8221;) pursuant
to the Investment Company Act of 1940, as amended, and the1933 Act, to register additional common shares of the Fund, which may be issued
and sold from time to time through various specified transactions, including at-the-market (&#8220;ATM&#8221;) offerings. &#8220;Registration
Statement&#8221; as used herein includes the Prospectus, Statement of Additional Information, including materials incorporated therein
and any supplements or amendments thereto, and any free writing prospectus as defined under Rule 433 of the 1933 Act (the &#8220;Free
Writing Prospectus&#8221;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">You have informed us that John Hancock Investment
Management Distributors LLC is registered as a broker-dealer under the provisions of the Securities Exchange Act of 1934, as amended,
and is a member in good standing with the Financial Industry Regulatory Authority, Inc. (&#8220;FINRA&#8221;). You have indicated your
desire to act as distributor for the Fund&#8217;s common shares issued pursuant to the Registration Statement. We have been authorized
by the Fund to execute and deliver this Agreement to you by a resolution of our Board of Trustees (the &#8220;Trustees&#8221;) adopted
at a meeting of the Trustees, at which a majority of Trustees, including a majority of our Trustees who are not otherwise interested persons
of our investment manager or its related organizations, were present and voted in favor of said resolution approving this Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">1.&#9;&nbsp;&nbsp;APPOINTMENT OF DISTRIBUTOR.&#9;&nbsp;&nbsp;&nbsp;&nbsp;Upon the
execution of this Agreement and in consideration of the agreements on your part herein expressed and upon the terms and conditions set
forth herein, we hereby appoint you as the distributor for up to 1,500,000 of the common shares of the Fund to be issued pursuant to the
Registration Statement through ATM offerings (the &#8220;Shares&#8221;) and agree that we will issue such Shares as you may sell. You
agree to use reasonable efforts to identify opportunities for the sale of Shares, but you are not obligated to sell any specific number
of the Shares. The Shares will be sold only on such days as shall be agreed to by you and the Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">2.&#9;&nbsp;&nbsp;SELECTED DEALERS.&#9;&nbsp;&nbsp;&nbsp;&nbsp;You may enter into
selected dealer agreements, on such terms and conditions as you determine are not inconsistent with this Agreement, with broker-dealers
to act as your agent to effect the sale of the Shares. Such selected broker-dealers shall sell Shares only at market prices subject to
a minimum price to be established each day by you and the Fund (see paragraph 3 below). This Agreement shall not be construed as authorizing
any dealer or other person to accept orders for sale on our behalf or to otherwise act as our agent for any purpose. You shall not be
responsible for the acts of other dealers or agents except as and to the extent that they shall be acting for you or under your direction
or authority.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 24.5pt">3.&#9;&nbsp;&nbsp;SHARE PRICE.&#9;&nbsp;&nbsp;&nbsp;&nbsp;The price per Share shall
be determined by reference to trades on the Fund&#8217;s primary exchange. In no event shall the price be less than the current net asset
value per share plus the per share amount of the commission to be paid to you (the &#8220;Minimum Price&#8221;). You shall suspend the
sale of Shares if the per share price of the Shares is less than the Minimum Price.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">4.&nbsp;&nbsp;&nbsp;&nbsp;SALES
COMMISSION.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">&#9;(a)&#9;&nbsp;&nbsp;&nbsp;&nbsp;You shall be entitled to receive
a sales commission from the Fund in an amount equal to 1.00% of the gross sales price per Share, of which 0.80% will be re-allowed to
the sub-sales agent.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">&#9;(b)&#9;&nbsp;&nbsp;&nbsp;&nbsp;You may pay to selected broker-dealers
such selling agent commissions (not exceeding 80% of the total sales commission) (the &#8220;ATM Sales Agent Commission&#8221;) as you
shall deem advisable, which shall be payable from the commissions payable to you under Section 4(a) above.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">5.&#9;&nbsp;&nbsp;FURNISHING OF INFORMATION.&#9;&nbsp;&nbsp;&nbsp;&nbsp;We will
furnish you with copies of the Registration Statement, and we warrant that the statements therein contained are true and correct as of
the date of the Registration Statement, as it may be amended or supplemented from time to time. We will also furnish you with such other
information that you may reasonably request for use in connection with the distribution of the Shares, including, at least annually, audited
financial statements of our books and accounts certified by independent public accountants.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">6.&#9;&nbsp;&nbsp;CONDUCT OF
BUSINESS.&#9;&nbsp;&nbsp;&nbsp;&nbsp;Other than the currently effective Prospectus, Statement of Additional Information, or Free
Writing Prospectus, you will not use any sales materials or statements except literature or advertising that conforms to the
requirements of federal and state securities laws and regulations and that have been filed, where necessary, with the appropriate
regulatory authorities. You will furnish us with copies of all material prior to their use and no such material shall be published
if we shall reasonably and promptly object.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">You shall comply with the applicable federal
and state laws and regulations where our shares are offered for sale and conduct your affairs with us and with dealers, brokers or investors
in accordance with the Conduct Rules of FINRA.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">7.&#9;&nbsp;&nbsp;INDEMNIFICATION.&#9;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">(a) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Fund agrees to indemnify, defend and hold you, your officers, and Directors, and any person who controls you within the meaning of Section
15 of the 1933 Act or Section 20 of the Securities Exchange Act of 1934, as amended (the &#8220;1934 Act&#8221;), free and harmless from
and against any and all claims, demands or liabilities and expenses (including the cost of investigating or defending such claims, demands
or liabilities and any counsel fees incurred in connection therewith) which you, your officers, Directors or any such controlling persons
may incur under the 1933 Act, the 1934 Act, or under common law or otherwise, arising out of or based upon (i) any untrue statement of
a material fact contained in the Fund&#8217;s Registration Statement or arising out of or based upon any alleged omission to state a material
fact required to be stated in it or necessary to make the statements in it not misleading, except insofar as such claims, demands, liabilities
or expenses arise out of or are based upon any such untrue statement or omission or alleged untrue statement or omission made in reliance
upon and in conformity with information furnished in writing by you to the Fund for use in the Registration Statement, (ii) any untrue
statement of a material fact contained in the Fund&#8217;s advertisement or sales literature or arising out of or based upon any alleged
omission to state a material fact required to be stated in either thereof or necessary to make the statements in either thereof not misleading,
except insofar as such claims, demands, liabilities or expenses arise out of or are based upon any such untrue statement or omission or
alleged untrue statement or omission made in reliance upon and in conformity with information furnished in writing by you to the Fund
for use in such advertisement or sales literature or (iii) any action taken or omitted by the Fund prior to the date of this Agreement.
You agree to comply with all of the applicable terms and provisions of the 1934 Act.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 24.5pt">(b) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You
agree to indemnify, defend, and hold the Fund, its officers, Trustees, employees shareholders and agents, and any person who controls
the Fund within the meaning of Section 15 of the 1933 Act or Section 20 of the 1934 Act, free and harmless from and against any and all
claims, demands, liabilities and expenses (including the cost of investigating or defending against such claims, demands or liabilities
and any counsel fees incurred in connection therewith) which the Fund, its Trustees, officers, employees, shareholders and agents, or
any such controlling person may incur under the 1933 Act, the 1934 Act or under common law or otherwise arising out of or based upon any
untrue statement of a material fact contained in information furnished in writing by you to the Fund for use in the Registration Statement,
or arising out of or based upon any omission or alleged omission to state a material fact in connection with such information required
to be stated in the Registration Statement necessary to make such information not misleading.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">A party seeking indemnification hereunder (the
Indemnitee) shall give prompt written notice to the party from whom indemnification is sought (&#8220;Indemnitor&#8221;) of a written
assertion or claim of any threatened or pending legal proceeding which may be subject to indemnity under this Section; provided, however,
that failure to notify the Indemnitor of such written assertion or claim shall not relieve the indemnitor of any liability arising from
this Section. The Indemnitor shall be entitled, if it so elects, to assume the defense of any suit brought to enforce a claim subject
to this Agreement and such defense shall be conducted by counsel chosen by the Indemnitor and satisfactory to the Indemnitee; provided,
however, that if the defendants include both the Indemnitee and the Indemnitor, and the Indemnitee shall have reasonably concluded that
there may be one or more legal defenses available to it which are different from or additional to those available to the Indemnitor (&#8220;conflict
of interest&#8221;), the Indemnitor shall have the right to select separate counsel to defend such claim on behalf of the Indemnitee.
In the event that the Indemnitor elects to assume the defense of any suit pursuant to the preceding sentence and retains counsel satisfactory
to the Indemnitee, the Indemnitee shall bear the fees and expenses of additional counsel retained by it except for reasonable investigation
costs which shall be borne by the Indemnitor. If the Indemnitor (i) does not elect to assume the defense of a claim, (ii) elects to assume
the defense of a claim but chooses counsel that is not satisfactory to the Indemnitee or (iii) has no right to assume the defense of a
claim because of a conflict of interest, the Indemnitor shall advance or reimburse the Indemnitee, at the election of the Indemnitee,
reasonable fees and disbursements of any counsel retained by Indemnitee, including reasonable investigation costs.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">8.&#9;&nbsp;&nbsp;OTHER ACTIVITIES.&#9;&nbsp;&nbsp;&nbsp;&nbsp;Your services pursuant
to this Agreement shall not be deemed to be exclusive and you may render similar services and act as an underwriter, distributor, or dealer
for other investment companies in the offering of their shares.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24pt">9.&#9;&nbsp;&nbsp;SUSPENSION OF SALES.&#9;&nbsp;&nbsp;&nbsp;&nbsp;We reserve the right
at all times to suspend or limit the offering of the shares upon written notice to you and to reject any order in whole or in part.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">10.&nbsp;&nbsp;&nbsp;PAYMENT
OF EXPENSES.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">&#9;(a)&#9;&nbsp;&nbsp;&nbsp;&nbsp;You shall bear all expenses incurred
by you in connection with your duties and activities under this Agreement including the payment to selected dealers of any sales commissions
for sales of the Fund&#8217;s Shares.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">&#9;(b)&#9;&nbsp;&nbsp;&nbsp;&nbsp;The Fund shall bear all costs and
expenses of the Fund, including expenses (including legal fees) pertaining to the preparation and filing of the Registration Statement
and Prospectus and any amendment or supplement thereto, including any Free Writing Prospectus, and expenses pertaining to the preparation,
printing and distribution of any reports or communications to shareholders, including Prospectuses,Statements of Additional Information,
Free Writing Prospectuses, annual and interim reports, or proxy materials.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">11.&#9;&nbsp;&nbsp;TERMINATION.&#9;&nbsp;&nbsp;&nbsp;&nbsp;This Agreement (i) may
be terminated by the Fund at any time without the payment of any penalty and (ii) may be terminated by you at any time without the payment
of any penalty. This Agreement shall remain in full force and effect unless terminated pursuant to this provision or by the mutual agreement
of the parties.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">12.&#9;&nbsp;&nbsp;MISCELLANEOUS.&#9;&nbsp;&nbsp;&nbsp;&nbsp;This Agreement shall
be subject to the laws of the State of Massachusetts and shall be interpreted and construed to further and promote the operation of the
Fund as a closed-end management investment company.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">13.&#9;&nbsp;&nbsp;STANDARD OF CARE.&#9;&nbsp;&nbsp;&nbsp;&nbsp;You shall be responsible
for exercising reasonable care in carrying out the provisions of this Agreement.</P>

<P STYLE="padding-left: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 24.5pt">14.&#9;&nbsp;&nbsp;DECLARATION OF TRUST AND LIMITATION OF
LIABILITY.&#9;&nbsp;&nbsp;&nbsp;&nbsp;A copy of the Declaration of Trust of the Fund is on file with the Secretary of State of the Commonwealth of Massachusetts,
and notice is hereby given that this Agreement is executed by an officer of the Fund on behalf of the Trustees, as trustees and not individually,
and that the obligations of this Agreement with respect to the Fund shall be binding upon the assets and properties of the Fund only and
shall not be binding upon the assets or properties of the Trustees, officers, employees, agents or shareholders of the Fund individually.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 24.5pt">If the foregoing meets with your approval, please
acknowledge your acceptance by signing each of the enclosed counterparts hereof and returning such counterparts to us, whereupon this
shall constitute a binding agreement as of the date first above written.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 55%; padding-bottom: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Very truly yours,</FONT></TD>
    <TD STYLE="width: 45%; padding-bottom: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 18pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>John Hancock Financial Opportunities Fund</B></FONT></TD>
    <TD STYLE="padding-bottom: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name: Andrew G. Arnott</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 18pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:&nbsp;&nbsp;&nbsp;President</FONT></TD>
    <TD STYLE="padding-bottom: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>John Hancock Investment Management Distributors LLC </B></FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name: Jeffrey H. Long</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:&nbsp;&nbsp;&nbsp;Chief Financial Officer</FONT></TD>
    <TD STYLE="padding-bottom: 12pt">&nbsp;</TD></TR>
  </TABLE>

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<DOCUMENT>
<TYPE>EX-99.(2)(H)(2)
<SEQUENCE>11
<FILENAME>jhfof-html3755_ex992h2.htm
<DESCRIPTION>FORM OF DEALER AGREEMENT BETWEEN THE DISTRIBUTOR AND THE DEALER
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>EXHIBIT (2)(h)(2)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>FORM OF DEALER AGREEMENT</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>John Hancock Investment Management Distributors LLC</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>200 Berkeley Street</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Boston, Massachusetts 02116</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12 9.5pt 12pt 0">__________, 2021</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">UBS Securities LLC</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">1285 Avenue of the Americas</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt">New York, New York 10019</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt">RE: At-the-Market Offerings by John Hancock Financial Opportunities
Fund</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt">Ladies and Gentlemen:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 36pt">From time to time John Hancock Investment Management
Distributors LLC (the &#8220;<I>Manager</I>&#8221;, &#8220;<I>we</I>&#8221; or &#8220;<I>us</I>&#8221;) will act as manager of registered
at-the-market offerings by John Hancock Financial Opportunities Fund, a Massachusetts business trust (the &#8220;<I>Fund</I>&#8221;),
of up to __________ common shares (the &#8220;<I>Shares</I>&#8221;) of beneficial interest, with no par value, of the Fund (the &#8220;<I>Common
Shares</I>&#8221;). In the case of such offerings, the Fund has agreed with the Manager to issue and sell through or to the Manager, as
sales agent and/or principal, the Shares.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 2.4pt 12pt 0; text-indent: 36pt">We hereby agree to retain UBS Securities
LLC (the &#8220;<I>Dealer</I>&#8221; or &#8220;<I>you</I>&#8221;) as a sub- placement agent with respect to the offerings of the Shares
to be issued and sold by the Fund (the &#8220;<I>Offerings</I>&#8221;), and you agree to act in such capacity, all upon, and subject to,
the terms and conditions set forth below:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9.5pt 0pt 42pt">SECTION 1. <U>Description of Offerings</U>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5.85pt 0 6pt; text-indent: 72pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Shares are to be sold on a daily basis or otherwise as shall be agreed to by the Fund and the Manager on any day (each, an &#8220;<I>Offering
Date</I>&#8221;) that is a trading day for the exchange on which the Fund&#8217;s Shares are listed and primarily trade (the &#8220;<I>Stock
Exchange</I>&#8221;) (other than a day on which the Stock Exchange is scheduled to close prior to its regular weekday closing time). Promptly
after the Fund and the Manager have determined the maximum amount of the Shares to be sold by the Manager for any Offering Date, the Manager
shall advise the Dealer of such amount, which shall not in any event exceed the amount available for issuance under the currently effective
Registration Statement (as defined below). Subject to the terms and conditions hereof, the Dealer shall use its reasonable best efforts
to sell all of the Shares designated in accordance with the plan of distribution set forth in the Prospectus Supplement (as defined below).
The gross sales price of the Shares sold under this Section 1(a) shall be the market price at which the Dealer sells such Shares.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 13pt 0 6pt; text-indent: 72pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding
the foregoing, the Manager may instruct the Dealer by telephone (confirmed promptly by e-mail or telecopy) not to sell the Shares if such
sales cannot be effected at or above a price agreed to by the Fund and the Manager with respect to</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 13pt 0 6pt">such Shares. In addition, the Manager may, upon notice to the
Dealer by telephone (confirmed promptly by e-mail or telecopy), suspend the offering of the Shares at any time; provided, however, that
such suspension or termination shall not affect or impair the parties&#8217; respective obligations with respect to the Shares sold hereunder
prior to the giving of such notice.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18.35pt 0 6pt; text-indent: 72pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Dealer agrees not to make any sales of the Shares on behalf of the Manager pursuant to this Section 1, other than through transactions
for which compliance with Rule 153 under the Securities Act of 1933, as amended (the &#8220;<I>Securities Act</I>&#8221;), will satisfy
the prospectus delivery requirements of Section 5(b)(2) of the Securities Act.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 6.1pt 0 6pt; text-indent: 72pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
compensation to the Dealer, as a sub-placement agent of the Manager, for each sale of the Shares pursuant to this Section 1, shall be
the Applicable Selling Agent Commission with respect to the Shares sold, multiplied by the Gross Sales Proceeds, as further described
in the Addendum to this Agreement. The Dealer shall not be responsible for any fees imposed by any governmental or self-regulatory organization
on the Fund or the Manager in respect of such sales. The compensation to the Manager, as manager of registered at-the-market offerings
by the Fund, for each sale of the Shares pursuant to this Section 1, before any fees imposed by any governmental or self-regulatory organization
on the Fund or the Manager in respect of such sales, shall be the Manager Retention with respect to the Shares sold, multiplied by the
Gross Sales Proceeds, as further described in the Addendum to this Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.85pt 0 6pt; text-indent: 72pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Dealer shall provide written confirmation to the Manager following the close of trading on the Stock Exchange on each Offering Date setting
forth for each sale the number of Shares sold, the time of sale, the Gross Sales Price per Share, the compensation payable to the Manager
with respect to such sales, and the compensation payable by the Manager to the Dealer with respect to such sales.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 6.15pt 0 6pt; text-indent: 72pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Settlement
for sales of the Shares pursuant to this Section 1 will occur on the second business day following the date on which such sales are made
(each such day, a &#8220;<I>Settlement Date</I>&#8221;). On each Settlement Date, the Shares sold through the Dealer for settlement on
such date shall be delivered by the Manager to the Dealer against payment of the Gross Proceeds for the sale of such Shares. Settlement
for all such Shares shall be effected by free delivery of the Shares to the Dealer&#8217;s account at The Depository Trust Company in
return for payments in same day funds delivered to the account designated by the Manager. If the Manager shall default on its obligation
to deliver the Shares on any Settlement Date, subject to the terms of Section 4 herein, the Manager shall (A) hold the Dealer harmless
against any reasonable loss, claim or damage arising from or as a result of such default by the Manager and (B) pay the Dealer any commission
to which it would otherwise be entitled absent such default. If the Dealer breaches this Agreement by failing to deliver proceeds on any
Settlement Date for the Shares delivered by the Manager, the Dealer will pay the Manager interest based on the effective overnight Federal
Funds rate.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 8.2pt 0 6pt; text-indent: 72pt">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
connection with this Agreement and the Offerings, the Manager shall provide to the Dealer, at the Dealer&#8217;s request no more than
once per calendar quarter, (i) a certificate signed by the Chief Executive Officer, the Chief Financial Officer, the Chief Operating Officer,
the Treasurer, the President, an Executive Vice President or a Senior Vice President of the Manager to the effect that (A) the representations
and warranties of the Manager in this Agreement are true and correct with the same force and effect as though expressly made at and as
of the date thereof and the Manager has performed or complied with all the agreements and satisfied all the conditions on its part to
be performed or satisfied hereunder at or prior to the date thereof, (B) to their knowledge, no stop order suspending the effectiveness
of the Registration Statement has been issued and no proceedings for that purpose have been instituted or threatened by the Securities
and Exchange Commission (the &#8220;<I>Commission</I>&#8221;) and (C) subsequent to the respective dates as of which information is given
in the Registration Statement and the Prospectus, there has not been any material adverse change or development involving a prospective
material adverse change to the business, properties, financial condition or results of operations of the Fund; (ii) a certificate signed
by the Secretary or Assistant Secretary of the Manager relating to authorization, capacity and incumbency matters; and (iii) such other
certificates and documents related to the Offerings at the Dealer&#8217;s reasonable request.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9.55pt 6pt 6pt; text-indent: 36pt">SECTION 2. <U>Representations and Warranties
by the Manager</U>. The Manager represents, warrants to and agrees with the Dealer, as of the date hereof and as of each Offering Date
and Settlement Date, that:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.05pt 0 6pt; text-indent: 72pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An
&#8220;automatic shelf registration statement&#8221; as defined under Rule 405 under the Securities Act on Form N-2 (File Nos. __________
and 811-08568) (the &#8220;<I>Registration Statement</I>&#8221;) (i) has been prepared by the Fund in conformity with the requirements
of the Securities Act and the rules and regulations thereunder the Investment Company Act of 1940, as amended, and the rules and regulations
thereunder (collectively called the &#8220;<I>1940 Act</I>&#8221;); and (ii) has been filed with the Commission under the Securities Act
and the 1940 Act; no notice of objection of the Commission to the use of the Registration Statement or any post-effective amendment thereto
pursuant to Rule 401(g)(2) under the Securities Act has been received by the Fund; the Registration Statement, including any amendments
thereto, became effective upon filing; no stop order of the Commission preventing or suspending the use of any Basic Prospectus (as defined
below), the Prospectus Supplement (as defined below) or the Prospectus (as defined below), or the effectiveness of the Registration Statement,
has been issued, and no proceedings for such purpose have been instituted or, to the Fund&#8217;s knowledge, are contemplated by the Commission.
Except where the context otherwise requires, &#8220;<I>Registration Statement</I>,&#8221; as used herein, means, collectively, the various
parts of the Registration Statement, as amended at the time of effectiveness for purposes of Section 11 of the Securities Act (the &#8220;<I>Effective
Time</I>&#8221;), as such section applies to the Manager, including (1) all documents filed as a part thereof or incorporated or deemed
deemed pursuant to Rule 430B or Rule 430C under the Securities Act to be incorporated by reference therein, (2) any information contained
or incorporated by reference in a prospectus filed with the Commission pursuant to Rule 424 under the Securities Act, to the extent such
information is deemed to be part of the registration statement at the Effective Time, and (3) any registration statement filed to register
the offer and sale of Shares pursuant to Rule 462(b) under the Securities Act, &#8220;<I>Basic Prospectus</I>,&#8221; as used herein,
means the final prospectus filed as part of the Registration Statement, including the related Statement of Additional</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.05pt 0 6pt">Information, together with any amendments or supplements thereto
as of the date of the Agreement, &#8220;<I>Prospectus Supplement</I>,&#8221; as used herein, means the final prospectus supplement, including
the related statement of additional information, relating to the Shares, filed by the Fund with the Commission pursuant to Rule 424 under
the Securities Act on or before the second business day after the date hereof (or such earlier time as may be required under the Securities
Act), in the form furnished by the Fund to the Manager in connection with the offering of the Shares, &#8220;<I>Prospectus</I>,&#8221;
as used herein, means the Prospectus Supplement and the then-issued Issuer Free Writing Prospectus(es) (as defined below) together with
the Basic Prospectus attached to or used with the Prospectus Supplement, and &#8220;<I>Issuer Free Writing Prospectus</I>,&#8221; as used
herein, means any &#8220;issuer free writing prospectus,&#8221; as defined in Rule 433 under the Securities Act, relating to the Shares,
including without limitation any &#8220;free writing prospectus&#8221; (as defined in Rule 405 under the Securities Act) that (1) is required
to be filed with the Commission by the Fund, (2) is a &#8220;road show&#8221; that is a &#8220;written communication&#8221; within the
meaning of Rule 433(d)(8)(i) under the Securities Act whether or not required to be filed with the Commission, or (3) is exempt from filing
pursuant to Rule 433(d)(5)(i) under the Securities Act because it contains a description of the Shares or of the offering that does not
reflect the final terms, in each case in the form filed or required to be filed with the Commission or, if not required to be filed, in
the form retained in the Fund&#8217;s records pursuant to Rule 433(g) under the Securities Act Any reference herein to the registration
statement, the Registration Statement, any Basic Prospectus, the Prospectus Supplement, the Prospectus or any Issuer Free Writing Prospectus
shall be deemed to refer to and include the documents, if any, incorporated by reference, or deemed to be incorporated by reference, therein
(the &#8220;<I>Incorporated Documents</I>&#8221;), including, unless the context otherwise requires, the documents, if any, filed as exhibits
to such Incorporated Documents.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.7pt 0 5pt; text-indent: 72pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Fund is duly registered under the 1940 Act as a closed-end management investment company. A notification of registration of the Fund as
an investment company under the 1940 Act on Form N-8A (the &#8220;<I>1940 Act Notification</I>&#8221;) has been prepared by the Fund in
conformity with the 1940 Act and has been filed with the Commission and, at the time of filing thereof and at the time of filing any amendment
or supplement thereto, conformed in all material respects with all applicable provisions of the 1940 Act. The Fund has not received any
notice from the Commission pursuant to Section 8(e) of the 1940 Act with respect to the 1940 Act Notification or the Registration Statement
(or any amendment or supplement to either of them). No person is serving or acting as an officer, trustee or investment adviser of the
Fund except in accordance with the provisions of the 1940 Act and the Investment Advisers Act of 1940, as amended and the rules and regulations
thereunder.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.4pt 0 5pt; text-indent: 72pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Registration Statement, the 1940 Act Notification, the Prospectus and any Issuer Free Writing Prospectus, as from time to time amended
or supplemented, each complied when it became effective or was filed, complies as of the date hereof and, as amended or supplemented,
will comply, at each time of purchase of Shares in connection with each Offering and at all times during which a prospectus is required
by the Securities Act to be delivered in connection with any sale of Shares, in all material respects, with the requirements of the Securities
Act and the 1940 Act; the Registration Statement did not, as of the Effective Time, contain an untrue statement of a material fact or
omit to state a material fact required to be stated therein or necessary to make the statements therein not misleading; the 1940 Act Notification
did not, as of the Effective Time, contain an untrue statement of a material fact or</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.4pt 0 5pt">omit to state a material fact required to be stated therein
or necessary to make the statements therein, in light of the circumstances under which they were made, not misleading; at no time during
the period that begins on the earlier of the date of the Basic Prospectus and the date such Basic Prospectus was filed with the Commission
and ends at the later of each time of purchase of Shares in connection with each Offering, and the end of the period during which a prospectus
is required by the Securities Act to be delivered in connection with any sale of Shares did or will the Prospectus, as from time to time
amended or supplemented, include an untrue statement of a material fact or omit to state a material fact necessary in order to make the
statements therein, in the light of the circumstances under which they were made, not misleading; each Issuer Free Writing Prospectus,
as of its issue date, as of each time of purchase of Shares in connection with each Offering and during the period that begins on the
earlier of the date of the Basic Prospectus and the date the Basic Prospectus was filed with the Commission and ends at the later of each
time of purchase of Shares in connection with each Offering, and the end of the period during which a prospectus is required by the Securities
Act to be delivered in connection with any sale of Shares, did not and will not include any information that conflicts with the information
contained in the Registration Statement or the Prospectus, including any incorporated document deemed to be a part thereof that has not
been superseded or modified; provided, however, that the Manager does not make any representation or warranty with respect to any statement
contained in the Registration Statement, the Prospectus or any Issuer Free Writing Prospectus in reliance upon and in conformity with
information concerning the Dealer and furnished in writing by the Dealer or on the Dealer&#8217;s behalf to the Manager or the Fund expressly
for use in the Registration Statement, the Prospectus or any Issuer Free Writing Prospectus. The Dealer confirms that [(i) the Dealer&#8217;s
name on the front cover and under the headings &#8220;Prospectus Supplement Summary&#8212;The Offering&#8221; and &#8220;Plan of Distribution&#8221;
in the Prospectus Supplement and (ii) the [_____] paragraph under the heading &#8220;Plan of Distribution&#8221; of the Prospectus Supplement]
was the only information furnished in writing to the Manager and the Fund by or on behalf of the Dealer expressly for use in the Prospectus.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 6.8pt 0 6pt; text-indent: 72pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
financial statements incorporated by reference in the Registration Statement or the Prospectus, together with the related notes and schedules,
present fairly the financial position of the Fund as of the dates indicated and the results of operations, cash flows and changes in stockholders&#8217;
equity of the Fund for the periods specified and have been prepared in compliance in all material respects with the requirements of the
Securities Act, the 1940 Act and the Securities Exchange Act of 1934, as amended (the &#8220;<I>Exchange Act</I>&#8221;) and in conformity
in all material respects with U.S. generally accepted accounting principles applied on a consistent basis during the periods involved;
the other financial and statistical data contained or incorporated by reference in the Registration Statement or the Prospectus are accurately
and fairly presented and prepared on a basis consistent with the financial statements and books and records of the Fund; there are no
financial statements that are required to be included or incorporated by reference in the Registration Statement, any Basic Prospectus
or the Prospectus that are not included or incorporated by reference as required; the Fund does not have any material liabilities or obligations,
direct or contingent (including any off-balance sheet obligations), not described in the Registration Statement (excluding the exhibits
thereto); and all disclosures contained or incorporated by reference in the Registration Statement or the Prospectus regarding &#8220;non-GAAP
financial measures&#8221; (as such term is defined by the rules and regulations of the Commission) comply in all material respects with
Item 10 of Regulation S-K under the Securities Act, to the extent applicable.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.1pt 0 6pt; text-indent: 72pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
of the date of this Agreement, the Fund has an authorized and outstanding capitalization as set forth in the sections of the Registration
Statement, the Basic Prospectus and the Prospectus entitled &#8220;The Fund&#8221; and &#8220;Description of Capital Structure,&#8221;
and, with respect to any issuance and sale under this Agreement, the Fund shall have as of the date of the most recent amendment or supplement
to the Registration Statement or Prospectus, an authorized and outstanding capitalization as set forth in the sections of the Registration
Statement and the Prospectus entitled &#8220;The Fund&#8221; and &#8220;Description of Capital Structure;&#8221; all of the issued and
outstanding shares of capital stock, including the Common Shares, of the Fund have been duly authorized and validly issued and are fully
paid and non-assessable (except as described below and in the Registration Statement), have been issued in material compliance with all
applicable securities laws and were not issued in violation of any preemptive right, resale right, right of first refusal or similar right;
the Shares will be duly listed, and admitted and authorized for trading, subject to official notice of issuance, on the Stock Exchange.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 6.05pt 0 6pt; text-indent: 72pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Fund has been duly formed, is validly existing and is in good standing as a voluntary association with transferable shares of beneficial
interest commonly referred to as a &#8220;Massachusetts business trust&#8221; under the laws of The laws of the Commonwealth of Massachusetts,
with full power and authority to own, lease and operate and conduct its business as described in the Registration Statement, the Basic
Prospectuses and the Prospectus, and to issue, sell and deliver the Shares as contemplated herein. The Fund is duly qualified to do business
as a foreign entity and is in good standing in each jurisdiction where the conduct of its business requires such qualification, except
where the failure to be so qualified and in good standing would not, individually or in the aggregate, (i) have a material adverse effect
on the business, properties, financial condition or results of operations of the Fund (a &#8220;<I>Material Adverse Effect</I>&#8221;),
(ii) prevent or materially interfere with consummation of the transactions contemplated hereby or (iii) result in the delisting of Common
Shares from the Stock Exchange (the occurrence of any such effect or any such prevention or interference or any such result described
in the foregoing clauses (i), (ii) and (iii) being herein referred to as a &#8220;<I>Material Adverse Effect</I>&#8221;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.05pt 0 5pt; text-indent: 72pt">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Shares have been duly and validly authorized and, when issued and delivered against payment therefor as provided herein, will be duly
and validly issued, fully paid and non-assessable (except as described below and in the Registration Statement) and free of statutory
and contractual preemptive rights, resale rights, rights of first refusal and similar rights; the Shares, when issued and delivered against
payment therefor as provided herein, will be free of any restriction upon the voting or transfer thereof pursuant to the Fund&#8217;s
Declaration of Trust or bylaws or any agreement or other instrument to which the Fund is a party. The capital stock of the Fund, including
the Shares, conforms in all material respects to each description thereof, if any, contained or incorporated by reference in the Registration
Statement, any Basic Prospectus or the Prospectus; and the certificates for the Shares, if any, are in due and proper form. The Fund is
in material compliance with the rules of the Stock Exchange, including, without limitation, the requirements for continued listing of
the Common Shares on the Stock Exchange and the Fund has not received any notice from the Stock Exchange regarding the delisting of the
Common Shares from the Stock Exchange.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.8pt 0 5pt; text-indent: 72pt">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Manager has full corporate power and authority to enter into this Agreement and the transactions contemplated hereby. This Agreement has
been duly authorized, executed and delivered by the Manager. This Agreement constitutes a valid and binding agreement of the Manager and
is enforceable against the Manager in accordance with its terms, except as the enforceability hereof and thereof may be limited by applicable
bankruptcy, insolvency, reorganization and similar laws affecting creditors&#8217; rights generally and moratorium laws in effect from
time to time and by equitable principles restricting the availability of equitable remedies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9.5pt 0 5pt; text-indent: 72pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
approval, authorization, consent or order of or filing with any federal, state, local or foreign governmental or regulatory commission,
board, body, authority or agency, or of or with any self-regulatory organization or other non-governmental regulatory authority (including,
without limitation, the Stock Exchange), or approval of the stockholders of the Fund, is required in connection with the issuance and
sale of the Shares or the consummation by the Fund of the transactions contemplated hereby, other than (i) the registration of the Shares
under the Securities Act and the 1940 Act, which has been effected, (ii) the listing of the Shares with the Stock Exchange, upon official
notice of issuance, (iii) any necessary qualification under the securities or blue sky laws of the various jurisdictions in which the
Shares are being offered by the Manager or (iv) any necessary qualification under the Conduct Rules of the Financial Industry Regulatory
Authority, Inc. (&#8220;<I>FINRA</I>&#8221;).
</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12 9.5pt 0 5pt; text-indent: 72pt">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(j)
Prior to the execution of the Distribution Agreement, the Fund has not, directly or indirectly, offered or sold any Shares by means of
any &#8220;prospectus&#8221; or &#8220;free writing prospectus&#8221; (in each case within the meaning of the Securities Act) or used
any &#8220;prospectus&#8221; or &#8220;free writing prospectus&#8221; (in each case within the meaning of the Securities Act) in connection
with the offer or sale of the Shares, and from and after the execution of this Agreement, the Fund will not, directly or indirectly, offer
or sell any Shares by means of any &#8220;prospectus&#8221; or &#8220;free writing prospectus&#8221; (in each case within the meaning
of the Securities Act) or use any &#8220;prospectus&#8221; or &#8220;free writing prospectus&#8221; (in each case within the meaning of
the Securities Act) in connection with the offer or sale of the Shares, other than the Prospectus, as amended or supplemented from time
to time in accordance with the provisions of this Agreement, or any Issuer Free Writing Prospectus to which the Manager and the Dealer
have consented; and the Fund is not an &#8220;ineligible issuer&#8221; (as defined in Rule 405 under the Securities Act) as of the eligibility
determination date for purposes of Rules 164 and 433 under the Securities Act with respect to the offering of the Shares contemplated
by the Registration Statement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9.5pt 0pt 41pt">SECTION 3. <U>Additional Covenants</U>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5.15pt 0 5pt; text-indent: 72pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Dealer hereby confirms that it is actually engaged in the investment banking and securities business and is a member in good standing
with FINRA and hereby agrees that it will undertake to comply with all applicable FINRA rules (as amended from time to time, including,
without limitation, any successor provision) in connection with acting as sub- placement agent for the sale of the Shares. The Dealer
further agrees that in acting as sub-placement agent for the sale of the Shares, it will comply with all applicable laws, rules and regulations,
including the applicable provisions of the Securities Act and the Exchange Act, the applicable rules and regulations of the Commission thereunder,
and the applicable rules and regulations of any state or any securities exchange or self-regulatory organization having jurisdiction over
the relevant Offering.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.15pt 0 5pt; text-indent: 72pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Dealer hereby agrees that in acting as sub-placement agent for the sale of the Shares, it will not use, authorize use of, refer to, or
participate in the planning for use of any written communication (as defined in Rule 405 under the Securities Act) concerning any Offering,
other than the Prospectus or any Issuer Free Writing Prospectus to which the Manager and the Dealer have consented. The Dealer further
agrees that in acting as sub-placement agent for the sale of the Shares, it is not authorized by the Manager or the Fund or any other
seller of the Shares offered pursuant to the Prospectus to give any information or to make any representation not contained in the Prospectus
in connection with the sale of such Shares.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 11.7pt 0 5pt; text-indent: 72pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Manager shall not be under any obligation to the Dealer except for obligations assumed hereunder or in writing by the Manager in connection
with any Offering. Nothing contained herein or in any communication in writing from us shall constitute the Manager and the Dealer an
association or partners with one another. If such parties should be deemed to constitute a partnership for Federal income tax purposes,
then the Dealer elects to be excluded from the application of Subchapter K, Chapter 1, Subtitle A of the Internal Revenue Code of 1986
and agrees not to take any position inconsistent with that election. The Dealer authorizes the Manager, in its discretion, to execute
and file on its behalf such evidence of that election as may be required by the Internal Revenue Service. In connection with any Offering,
each party shall be liable for its proportionate amount of any tax, claim, demand or liability that may be asserted against it alone,
based upon the claim that either of them constitutes an association, an unincorporated business or other entity, including, in each case,
its proportionate amount of any expense incurred in defending against any such tax, claim, demand or liability.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18.7pt 0 5pt; text-indent: 72pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
parties acknowledge and agree that all share related numbers contained in this Agreement shall be adjusted to take into account any stock
split effected with respect to the Shares.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 12.45pt 0 5pt; text-indent: 72pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Dealer shall at all times comply with the offering requirements as set forth under the heading &#8220;Plan of Distribution&#8221; in the
Prospectus.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 37.7pt 0 5pt; text-indent: 72pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Fund shall use its best efforts to list, subject to official notice of issuance, the Shares on the Stock Exchange and to maintain such
listing.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9.5pt 0pt 41pt">SECTION 4. <U>Indemnification and Contribution</U>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 6.85pt 0 5pt; text-indent: 72pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Manager agrees to indemnify, defend and hold harmless the Dealer, its partners, directors and officers, and any person who controls the
Dealer within the meaning of Section 15 of the Securities Act or Section 20 of the Exchange Act, and the successors and assigns of all
of the foregoing persons, from and against any reasonable loss, damage, expense, liability or claim (including the reasonable cost of
investigation) which the Dealer or any such person may incur under the Securities Act, the 1940 Act, the Exchange Act, the common law</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.45pt 6.85pt 0 5pt">or otherwise, insofar as such loss, damage, expense, liability
or claim arises out of or is based upon (i) any material breach of any representation, warranty, covenant or agreement of the Manager
contained in this Agreement, (ii) any material violation by the Manager of any law, rule or regulation (including any rule of any self-regulatory
organization) applicable to the Offerings, or (iii) any untrue statement of a material fact appearing in the Registration Statement, the
Prospectus or any Issuer Free Writing Prospectus or omission to state a material fact required to be stated therein or necessary to make
the statements therein, in the light of the circumstances in which they were made, not misleading, except to the extent such statements
were provided in writing by the Dealer for inclusion in the Registration Statement, the Prospectus or any Issuer Free Writing Prospectus
in reliance upon and in conformity with the Dealer Provided Information.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.4pt 0 6pt; text-indent: 72pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Dealer agrees to indemnify, defend and hold harmless the Manager, the Fund, their partners, trustees, directors and officers, and any
person who controls the Manager or the Fund within the meaning of Section 15 of the Securities Act or Section 20 of the Exchange Act,
and the successors and assigns of all of the foregoing persons, from and against any loss, damage, expense, liability or claim (including
the reasonable cost of investigation) which the Manager or any such person may incur under the Securities Act, the 1940 Act, the Exchange
Act, the common law or otherwise, insofar as such loss, damage, expense, liability or claim arises out of or is based upon (i) any material
breach of any representation, warranty, covenant or agreement of the Dealer contained in this Agreement or (ii) any material violation
by the Dealer of any law, rule or regulation (including any rule of any self-regulatory organization), or (iii) any untrue statement or
omission made in the Registration Statement, the Prospectus or any Issuer Free Writing Prospectus in reliance upon and in conformity with
the Dealer Provided Information.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 6.8pt 0 6pt; text-indent: 72pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An
indemnified person under Section 4 of this Agreement (the &#8220;<I>Indemnified Party</I>&#8221;) shall give written notice to the other
party (the &#8220;<I>Indemnifying Party</I>&#8221;) of any loss, damage, expense, liability or claim in respect of which the Indemnifying
Party has a duty to indemnify such Indemnified Party under Section 4(a) or (b) of this Agreement (a &#8220;<I>Claim</I>&#8221;), specifying
in reasonable detail the nature of the loss, damage, expense, liability or claim for which indemnification is sought, except that any
delay or failure so to notify such other party shall only relieve such other party of its obligations hereunder to the extent, if at all,
that you are actually prejudiced by reason of such delay or failure.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.05pt 0 6pt; text-indent: 72pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
a Claim results from any action, suit or proceeding brought or asserted against an Indemnified Party, the Indemnifying Party shall assume
the defense thereof, including the employment of counsel reasonably satisfactory to the Indemnified Party and the payment of all fees
and expenses. The Indemnified Party shall have the right to employ separate counsel in such action, suit or proceeding and participate
in such defense thereof, but the fees and expenses of such counsel shall be at the expense of the Indemnified Party unless (i) the Indemnifying
Party has agreed in writing to pay such fees and expenses, (ii) the Indemnifying Party has failed within a reasonable time to assume the
defense and employ counsel or (iii) the named parties to any such action, suit or proceeding (including any impleaded parties) include
both such Indemnified Party and Indemnifying Party and such Indemnified Party shall have been advised by its counsel that representation
of such Indemnified Party and Indemnifying Party by the same counsel would be inappropriate under</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.05pt 0 6pt">applicable standards of professional conduct (whether or not
such representation by the same counsel has been proposed) due to actual or potential differing interests between the Indemnifying Party
and the Indemnified Party (in which case the Indemnifying Party shall not have the right to assume the defense of such action, suit or
proceeding on behalf of such Indemnified Party). It is understood, however, that the Indemnifying Party shall, in connection with any
one action, suit or proceeding or separate but substantially similar or related actions, suits or proceedings in the same jurisdiction
arising out of the same general allegations or circumstances be liable for the reasonable fees and expenses of only one separate firm
of attorneys (in addition to any local counsel) at any time for all such Indemnified Parties not having actual or potential differing
interests with the Indemnifying Party or among themselves, which firm shall be designated in writing by an authorized representative of
such parties and that all such fees and expenses shall be reimbursed promptly as they are incurred. The Indemnifying Party shall not be
liable for any settlement of any such action, suit or proceeding effected without its written consent, but if settled with such written
consent or if there be a final judgment for the plaintiff in any such action, suit or proceeding, the Indemnifying Party agrees to indemnify
and hold harmless any Indemnified Party from and against any loss, liability, damage or expense by reason by such settlement or judgment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 10.2pt 0 6pt; text-indent: 72pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;With
respect to any Claim not within Paragraph (d) of Section 4 hereof, the Indemnifying Party shall have 20 days from receipt of notice from
the Indemnified Party of such Claim within which to respond thereto. If the Indemnifying Party does not respond within such twenty-day
period, it shall be deemed to have accepted responsibility to make payment and shall have no further right to contest the validity of
such Claim. If the Indemnifying Party notifies the Indemnified Party within such twenty-day period that it rejects such Claim in whole
or in part, the Indemnified Party shall be free to pursue such remedies as may be available to the Indemnified Party under applicable
law.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.4pt 0 6pt; text-indent: 72pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the indemnification provided for in this Section 4 is unavailable to an Indemnified Party or insufficient to hold an Indemnified Party
harmless in respect of any losses, damages, expenses, liabilities or claims referred to therein, then each applicable Indemnifying Party
shall contribute to the amount paid or payable by such Indemnified Party as a result of such losses, damages, expenses, liabilities or
claims in such proportion as is appropriate to reflect (i) the relative benefits received by the Indemnified Party and its Affiliates
(treated jointly as one person for this purpose), on the one hand, and the Indemnifying Party and its Affiliates, on the other hand, from
the offering of the Shares; or (ii) if, but only if, the allocation provided for in clause (i) is not permitted by applicable law, in
such proportion as is appropriate to reflect not only the relative benefits referred to in clause (i) but also the relative fault of the
Indemnified Party and its Affiliates (treated jointly as one person for this purpose), on the one hand, and of the Indemnifying Party
and its Affiliates, on the other, in connection with any statements or omissions or other matters which resulted in such losses, damages,
expenses, liabilities or claims, as well as any other relevant equitable considerations. The relative benefits received by the Indemnified
Party and its Affiliates (treated jointly as one person for this purpose), on the one hand, and the Indemnifying Party and its Affiliates,
on the other, shall be deemed to be in the same respective proportions as the total proceeds from the Offering received by each such party
and its Affiliates bear to the aggregate public offering price of the Shares. The relative fault of the parties and their Affiliates shall
be determined by reference to, among other things, whether the untrue</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.4pt 0 6pt">statement or alleged untrue statement of a material fact or
omission or alleged omission relates to information supplied by such party or its Affiliate, on one hand, or by the other party or its
Affiliate on the other hand and the parties&#8217; relative intent, knowledge, access to information and opportunity to correct or prevent
such statement or omission. The amount paid or payable by a party as a result of the losses, damages, expenses, liabilities and claims
referred to in this subsection shall be deemed to include any legal or other fees or expenses reasonably incurred by such party in connection
with investigating, preparing to defend or defending any Proceeding.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9.4pt 0 5pt; text-indent: 72pt">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
parties agree that it would not be just and equitable if contribution pursuant to this Section 4 were determined by pro rata allocation
or by any other method of allocation that does not take account of the equitable considerations referred to in subsection (f) above. No
person guilty of fraudulent misrepresentation (within the meaning of Section 11(f) of the Securities Act) shall be entitled to contribution
from any person who was not guilty of such fraudulent misrepresentation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.1pt 0 5pt; text-indent: 72pt">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
indemnity and contribution agreements contained in this Section 4 and the covenants, warranties and representations of the parties contained
in this Agreement shall remain in full force and effect regardless of any investigation made by or on behalf of the Dealer, its partners,
directors or officers or any person (including each partner, officer or director of such person) who controls the Dealer within the meaning
of Section 15 of the Securities Act or Section 20 of the Exchange Act, or by or on behalf of the Manager, its directors or officers or
any person who controls the Manager within the meaning of Section 15 of the Securities Act or Section 20 of the Exchange Act, and shall
survive any termination of this Agreement or the issuance and delivery of the Shares.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.1pt 6pt 0; text-indent: 36pt">SECTION 5. <U>Representations and Agreements
to Survive Delivery</U>. The representations, warranties, covenants and agreements of the parties contained in this Agreement, including,
without limitation, the indemnity agreement contained in Section 4 hereof, shall remain operative and in full force and effect, regardless
of (i) any investigation made by or on behalf of any party or any person controlling any party, or their directors or officers, (ii) acceptance
of any Shares and payment therefor and (iii) any termination of this Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9.5pt 0pt 41pt">SECTION 6. <U>Termination</U>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 12.8pt 0 5pt; text-indent: 72pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Agreement shall continue in full force and effect until terminated by either party by thirty days&#8217; written notice to the other;
provided, that if this Agreement has become effective with respect to any Offering pursuant to this Agreement, this Agreement may not
be terminated by either party with respect to such Offering.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 11.05pt 0 5pt; text-indent: 72pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Agreement shall remain in full force and effect unless terminated pursuant to Section 6(a) above or otherwise by mutual agreement of the
parties; provided that any such termination by mutual agreement shall in all cases be deemed to provide that Section 4 and Section 5 shall
remain in full force and effect.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 8.05pt 0 5pt; text-indent: 72pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
termination of this Agreement shall be effective on the date specified in such notice of termination; provided that such termination shall
not be effective until the close of business on the date of receipt of such notice by the Manager or the Dealer, as the case may be. If
such termination shall occur prior to the Settlement Date for any sale of the Shares, such sale shall settle in accordance with the provisions
of Section 1 of this Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.8pt 9.5pt 6pt 0; text-indent: 36pt">SECTION 7. <U>Notices</U>. Except as
otherwise herein provided, all statements, requests, notices and agreements under this Agreement shall be in writing and delivered by
hand, overnight courier, mail or facsimile and, if to the Manager, it shall be sufficient in all respects if delivered or sent to:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 252pt 12pt 41pt">John Hancock Investment Management Distributors LLC<BR>
200 Berkeley Street<BR>
Boston, Massachusetts 02116<BR>
Attn: Andrew Arnott</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 216pt 12pt 41.05pt">with a copy for information purposes to:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 41.05pt">John Hancock Investment Management Distributors LLC</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 216pt 0 41.05pt">200 Berkeley Street</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 252pt 0 41.05pt">Boston, Massachusetts 02116<BR>
Attn: General Counsel</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 12pt 41pt">and if to the Dealer, it shall be sufficient in all respects
if delivered or sent to:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 41.05pt">UBS Securities LLC<BR>
1285 Avenue of the Americas<BR>
New York, New York 10019<BR>
Attn: Saawan Pathange</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 2.4pt 0pt 41pt">Each party to this Agreement may change such address for
notices by sending to the parties to this Agreement written notice of a new address for such purpose.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.5pt 0pt 0; text-indent: 36pt">SECTION 8. <U>Parties at Interest</U>. The
Agreement herein set forth has been and is made solely for the benefit of the Manager, the Fund, and the Dealer and to the extent provided
in Section 4 of this Agreement the controlling persons, trustees, directors and officers referred to in such section, and their respective
successors, assigns, heirs, personal representatives and executors and administrators. No other person, partnership, association or corporation
(including a purchaser, as such purchaser, from the Manager) shall acquire or have any right under or by virtue of this Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.15pt 0pt 0; text-indent: 36pt">SECTION 9. <U>No Fiduciary Relationship</U>.
The Manager hereby acknowledges that the Dealer is acting solely as sub-sales agent in connection with the sale of the Shares and that
the Dealer is acting pursuant to a contractual relationship created solely by this Agreement entered into on an arm&#8217;s-length basis,
and in no event do the parties intend that the Dealer act or be responsible as a fiduciary to the Manager or the Fund, their respective
management, stockholders or creditors, or any other person in connection
with any activity that the Dealer may undertake or have undertaken in furtherance of the sale of the Shares, either before or after the
date hereof.</P>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 14.5pt 12pt 0; text-align: justify; text-indent: 36pt">SECTION 10. <U>Entire
Agreement</U>. This Agreement constitutes the entire agreement and supersedes all other prior and contemporaneous agreements and undertakings,
both written and oral, among the parties hereto with regard to the subject matter hereof.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 8.5pt 0pt 0; text-indent: 36pt">SECTION 11. <U>Counterparts; Heading</U>.
This Agreement may be signed by the parties in one or more counterparts which together shall constitute one and the same agreement among
the parties. The Section headings in this Agreement have been inserted as a matter of convenience of reference and are not a part of this
Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 6.85pt 6pt 0; text-indent: 36pt">SECTION 12. <U>Law; Construction</U>. This
Agreement and any claim, counterclaim or dispute of any kind or nature whatsoever arising out of or in any way relating to this Agreement
(&#8220;<I>Claim </I>&#8220;), directly or indirectly, shall be governed by, and construed in accordance with, the internal laws of the
State of New York.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.55pt 6pt 0; text-indent: 36pt">SECTION 13. <U>Submission to Jurisdiction</U>.
Except as set forth below, no Claim may be commenced, prosecuted or continued in any court other than the courts of the State of New York
located in the City and County of New York or in the United States District Court for the Southern District of New York, which courts
shall have jurisdiction over the adjudication of such matters, and each of the Manager and the Dealer consents to the jurisdiction of
such courts and personal service with respect thereto. Each of the Manager and the Dealer hereby consents to personal jurisdiction, service
and venue in any court in which any Claim arising out of or in any way relating to this Agreement is brought by any third party against
the Manager or any indemnified party. Each of the Manager and the Dealer (on its behalf and, to the extent permitted by applicable law,
on behalf of its stockholders and affiliates) waives all right to trial by jury in any action, proceeding or counterclaim (whether based
upon contract, tort or otherwise) in any way arising out of or relating to this Agreement. Each of the Manager and the Dealer agrees that
a final judgment in any such action, proceeding or counterclaim brought in any such court shall be conclusive and binding upon the Manager
and the Dealer and may be enforced in any other courts to the jurisdiction of which the Manager or the Dealer is or may be subject, by
suit upon such judgment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 13pt 0pt 0; text-indent: 36pt">SECTION 14. <U>Successors and Assigns</U>.
This Agreement shall be binding upon the Manager and the Dealer and their successors and assigns and any successor or assign of any substantial
portion of the Manager&#8217;s and the Dealer&#8217;s respective businesses and/or assets.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">If the foregoing correctly sets forth the understanding
between the Manager and the Dealer, please so indicate in the space provided below for that purpose,
whereupon this Agreement and your acceptance shall constitute a binding agreement between the Manager and the Dealer. Alternatively, the
execution of this Agreement by the Manager and the acceptance by or on behalf of the Dealer may be evidenced by an exchange of telegraphic
or other written communications.</P>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Very truly yours,</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">JOHN HANCOCK INVESTMENT MANAGEMENT DISTRIBUTORS LLC</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 14%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 42%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 3%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid; padding-top: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="text-indent: 0.7pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Jeffrey H. Long</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Chief Financial Officer</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 252pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 252pt"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left">UBS SECURITIES LLC</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left">(as sub-placement agent)</P> <TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; width: 6%; padding-top: 12pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="padding-right: 0pt; width: 35%; border-bottom: Black 1pt solid; padding-top: 12pt; padding-left: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0pt; width: 3%; padding-top: 12pt; padding-left: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0pt; width: 7%; padding-top: 12pt; padding-left: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0pt; width: 49%; padding-top: 12pt; padding-left: 0pt; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0pt; padding-left: 0pt; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt; padding-bottom: 0pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="padding-bottom: 0pt; padding-right: 0pt; padding-left: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 0pt; padding-right: 0pt; padding-left: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 0pt; padding-right: 0pt; padding-left: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 0pt; padding-right: 0pt; padding-left: 0pt; text-indent: 0pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center; vertical-align: bottom">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="text-align: center; width: 35%; border-bottom: Black 1pt solid; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 51%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>ADDENDUM<BR>
TO</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>DEALER AGREEMENT</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>BETWEEN</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>JOHN HANCOCK INVESTMENT MANAGEMENT DISTRIBUTORS LLC</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>AND</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>UBS SECURITIES LLC</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.9pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 6.15pt 6pt 6pt; text-indent: 36pt">Compensation payable to the Dealer for
acting as a sub-placement agent on behalf of the Manager with respect to a specified sale of Shares pursuant to this Agreement shall be
determined by multiplying the Gross Sales Proceeds by the Applicable Selling Agent Commission as set forth in the table below:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.4pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left; width: 36%; vertical-align: bottom">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.7pt 0 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 25.05pt 0 11.5pt; text-indent: 1.7pt"><B>Gross Sales Commission</B></P></TD>
    <TD STYLE="text-align: center; width: 2%; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 28%; border-bottom: black 1pt solid; vertical-align: bottom">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.65pt 0 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 1.6pt"><B>Manager Retention</B></P></TD>
    <TD STYLE="text-align: center; width: 2%; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 32%; border-bottom: black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Applicable Selling Agent Commission</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: bottom; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center; padding-left: 24.25pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1.00%</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">0.20%</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">0.80%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 42pt">Where:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.7pt 0pt 6pt; text-indent: 36pt">&#8220;Gross Sales Proceeds&#8221; with
respect to each sale of Shares shall be the Gross Sales Price multiplied by the number of Shares sold;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 12.7pt 0pt 6pt; text-indent: 36pt">&#8220;Gross Sales Price&#8221; with respect
to each sale of Shares sold pursuant to this Agreement shall be the gross sales price per share of such Shares.</P>



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<DOCUMENT>
<TYPE>EX-99.(2)(J)
<SEQUENCE>12
<FILENAME>jhfof-html3755_ex992j.htm
<DESCRIPTION>MASTER CUSTODIAN AGREEMENT DATED SEPTEMBER 10, 2008 BETWEEN THE FUND AND STATE STREET BANK AND TRUST COMPANY
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
</HEAD>
<BODY>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 153.6pt; text-align: right; text-indent: 229.45pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; text-transform: uppercase"><B>Exhibit
</B></FONT><B><FONT STYLE="font-size: 10pt">(2)(j)</FONT></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 153.6pt; text-indent: 229.45pt; background-color: white"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 153.6pt; text-align: right; text-indent: 229.45pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps"><B>Execution
Copy </B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 153.6pt; text-align: right; text-indent: 229.45pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps"><B><U>Master
Custodian Agreement</U></B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 35.05pt; background-color: white"><FONT STYLE="font-size: 10pt">This
Agreement is made as of September 10, 2008 by and among each management investment company identified on Appendix <FONT STYLE="font-variant: small-caps">A
</FONT>hereto (each such investment company and each management investment company made subject to this Agreement in accordance with
Section 22.5 below, shall hereinafter be referred to as a &ldquo;<B><I>Fund</I></B>&rdquo;), and <FONT STYLE="font-variant: small-caps">State
Street Bank </FONT>and <FONT STYLE="font-variant: small-caps">Trust Company</FONT>, a Massachusetts trust company (the &ldquo;<B><I>Custodian</I></B>&rdquo;).</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt"><I>&nbsp;</I></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt"><I>W<B>ITNESSETH:</B></I></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 35.05pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps"><B>Whereas</B></FONT><B><FONT STYLE="font-size: 10pt">,
</FONT></B><FONT STYLE="font-size: 10pt">each Fund may or may not be authorized to issue shares of common stock or shares of beneficial
interest in separate series (&ldquo;<B><I>Shares</I></B>&rdquo;), with each such series representing interests in a separate portfolio
of securities and other assets;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 35.05pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 35.05pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps"><B>Whereas</B></FONT><B><FONT STYLE="font-size: 10pt">,
</FONT></B><FONT STYLE="font-size: 10pt">each Fund so authorized intends that this Agreement be applicable to each of its series set
forth on Appendix <FONT STYLE="font-variant: small-caps">A </FONT>hereto (such series together with all other series subsequently established
by the Fund and made subject to this Agreement in accordance with Section 22.6 below, shall hereinafter be referred to as the &ldquo;<B><I>Portfolio(s)</I></B>&rdquo;);</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 35.05pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 35.05pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps"><B>Whereas</B></FONT><B><FONT STYLE="font-size: 10pt">,
</FONT></B><FONT STYLE="font-size: 10pt">each Fund not so authorized intends that this Agreement be applicable to it and all references
hereinafter to one or more &ldquo;Portfolio(s)&rdquo; shall be deemed to refer to such Fund(s); and</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 35.05pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 35.05pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps"><B>Now</B></FONT><B><FONT STYLE="font-size: 10pt">,
<FONT STYLE="font-variant: small-caps">Therefore</FONT>, </FONT></B><FONT STYLE="font-size: 10pt">in consideration of the mutual covenants
and agreements hereinafter contained, the parties hereto agree as follows:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 35.05pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">1. <FONT STYLE="font-variant: small-caps"><U>Employment of Custodian and Property to be Held by
It</U></FONT></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">Each
Fund hereby employs the Custodian as a custodian of assets of the Portfolios, including securities which the Fund, on behalf of the applicable
Portfolio, desires to be held in places within the United States (&ldquo;<B><I>domestic securities</I></B>&rdquo;) and securities it
desires to be held outside the United States (&ldquo;<B><I>foreign securities</I></B>&rdquo;). Each Fund, on behalf of its Portfolio(s),
agrees to deliver to the Custodian all securities and cash of the Portfolios, and all payments of income, payments of principal or capital
distributions received by it with respect to all securities owned by the Portfolio(s) from time to time, and the cash consideration received
by it for such Shares as may be issued or sold from time to time. The Custodian shall not be responsible for any property of a Portfolio
which is not received by it or which is delivered out in accordance with Proper Instructions (as such term is defined in Section 9 hereof)
including, without limitation, Portfolio property (i) held by brokers, private bankers or other entities on behalf of the Portfolio (each
a &ldquo;<B><I>Local Agent</I></B>&rdquo;), (ii) held by Special Sub-Custodians (as such term is defined in Section 7 hereof), (iii)
held by entities which have advanced monies to or on behalf of the Portfolio and which have received Portfolio property as security for
such advance(s) (each a &ldquo;<B><I>Pledgee</I></B>&rdquo;), or (iv) delivered or otherwise removed from the custody of the Custodian
(a) in connection with any Free Trade (as such term is defined in Sections 2.2(14) and 2.6(7) hereof) or (b) pursuant to Special Instructions
(as such term is defined in Section 9 hereof). With respect to uncertificated shares (the &ldquo;<B><I>Underlying Shares</I></B>&rdquo;)
of registered &ldquo;investment companies&rdquo; (as defined in Section 3(a)(1) of the Investment Company Act of 1940, as amended from
time to time (the &ldquo;<B><I>1940 Act</I></B>&rdquo;)), whether in the same &ldquo;group of investment companies&rdquo; (as defined
in Section 12(d)(1)(G)(ii) of the 1940 Act) or otherwise, including pursuant to Section 12(d)(1)(F) of the 1940 Act (hereinafter sometimes
referred to as the &ldquo;<B><I>Underlying Portfolios</I></B>&rdquo;) the holding of confirmation statements that identify the shares
as being recorded in the Custodian&rsquo;s name on behalf of the Portfolios will be deemed custody for purposes hereof.</FONT></P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">Upon
receipt of Proper Instructions, the Custodian shall on behalf of the applicable Portfolio(s) from time to time employ one or more sub-custodians
located in the United States, but only in accordance with an applicable vote by the Board of Trustees or the Board of Directors of the
Fund (as appropriate, and in each case, the &ldquo;<B><I>Board</I></B>&rdquo;) on behalf of the applicable Portfolio(s), and provided
that the Custodian shall have no more or less responsibility or liability to any Fund on account of any actions or omissions of any sub-custodian
so employed than any such sub-custodian has to the Custodian. The Custodian may place and maintain each Fund&rsquo;s foreign securities
with foreign banking institution sub-custodians employed by the Custodian and/or foreign securities depositories, all as designated in
Schedules <FONT STYLE="font-variant: small-caps">A </FONT>and <FONT STYLE="font-variant: small-caps">B </FONT>hereto, but only in accordance
with the applicable provisions of Sections 3 and 4 hereof.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: -72pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">2. <FONT STYLE="font-variant: small-caps"><U>Duties of the Custodian with Respect to Property of
the Portfolios to be Held in the United States</U></FONT></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: -72pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">2.1 <FONT STYLE="font-variant: small-caps"><U>Holding Securities</U></FONT>. The Custodian shall
hold and physically segregate for the account of each Portfolio all non-cash property, including collateral of a <FONT STYLE="font-variant: small-caps">U</FONT>.<FONT STYLE="font-variant: small-caps">S</FONT>.
registered broker-dealer held by the Portfolio, to be held by it in the United States, including all domestic securities owned by such
Portfolio other than (a) securities which are maintained pursuant to Section 2.8 in a clearing agency which acts as a securities depository
or in a book-entry system authorized by the <FONT STYLE="font-variant: small-caps">U</FONT>.<FONT STYLE="font-variant: small-caps">S</FONT>.
Department of the Treasury (each, a &ldquo;<B><I>U.S. Securities System</I></B>&rdquo;) and (b) Underlying Shares owned by each Fund
which are maintained pursuant to Section 2.10 hereof in an account with State Street Bank and Trust Company or such other entity which
may from time to time act as a transfer agent for the Underlying Portfolios and with respect to which the Custodian is provided with
Proper Instructions (the &ldquo;<B><I>Underlying Transfer Agent</I></B>&rdquo;).</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">2.2 <FONT STYLE="font-variant: small-caps"><U>Delivery of Securities</U></FONT>. The Custodian shall
release and deliver domestic securities owned by a Portfolio held by the Custodian, in a <FONT STYLE="font-variant: small-caps">U</FONT>.<FONT STYLE="font-variant: small-caps">S</FONT>.
Securities System account of the Custodian or in an account at the Underlying Transfer Agent, only upon receipt of Proper Instructions
on behalf of the applicable Portfolio, which may be continuing instructions when deemed appropriate by the parties, and only in the following
cases:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">1)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Upon sale of
                                            such securities for the account of the Portfolio in accordance with customary or established
                                            market practices and procedures, including, without limitation, delivery to the purchaser
                                            thereof or to a dealer therefor (or an agent of such purchaser or dealer) against expectation
                                            of receiving later payment;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">2)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">Upon
                                            the receipt of payment in connection with any repurchase agreement related to such securities
                                            entered into by the Portfolio;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">3)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">In
                                            the case of a sale effected through a <FONT STYLE="font-variant: small-caps">U</FONT>.<FONT STYLE="font-variant: small-caps">S</FONT>.
                                            Securities System, in accordance with the provisions of Section 2.8 hereof;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">4)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">To
                                            the depository agent in connection with tender or other similar offers for securities of
                                            the Portfolio;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">5)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">To
                                            the issuer thereof or its agent when such securities are called, redeemed, retired or otherwise
                                            become payable; provided that, in any such case, the cash or other consideration is to be
                                            delivered to the Custodian;</FONT></TD></TR></TABLE>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">6)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">To
                                            the issuer thereof, or its agent, for transfer into the name of the Portfolio or into the
                                            name of any nominee or nominees of the Custodian or into the name or nominee name of any
                                            agent appointed pursuant to Section 2.7 or into the name or nominee name of any sub-custodian
                                            appointed pursuant to Section 1; or for exchange for a different number of bonds, certificates
                                            or other evidence representing the same aggregate face amount or number of units; provided
                                            that, in any such case, the new securities are to be delivered to the Custodian;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 36pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">7)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Upon the sale
                                            of such securities for the account of the Portfolio, to the broker or its clearing agent,
                                            against a receipt, for examination in accordance with &ldquo;street delivery&rdquo; custom;
                                            provided that in any such case, the Custodian shall have no responsibility or liability for
                                            any loss arising from the delivery of such securities prior to receiving payment for such
                                            securities except as may arise from the Custodian&rsquo;s own negligence or willful misconduct;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">8)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">For
                                            exchange or conversion pursuant to any plan of merger, consolidation, recapitalization, reorganization
                                            or readjustment of the securities of the issuer of such securities, or pursuant to provisions
                                            for conversion contained in such securities, or pursuant to any deposit agreement; provided
                                            that, in any such case, the new securities and cash, if any, are to be delivered to the Custodian;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 36pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">9)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">In the case
                                            of warrants, rights or similar securities, the surrender thereof in the exercise of such
                                            warrants, rights or similar securities or the surrender of interim receipts or temporary
                                            securities for definitive securities; provided that, in any such case, the new securities
                                            and cash, if any, are to be delivered to the Custodian;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">10)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">For
                                            delivery in connection with any loans of securities made by the Portfolio (a) against receipt
                                            of collateral as agreed from time to time by the Fund on behalf of the Portfolio, except
                                            that in connection with any loans for which collateral is to be credited to the Custodian&rsquo;s
                                            account in the book-entry system authorized by the U.S. Department of the Treasury, the Custodian
                                            will not be held liable or responsible for the delivery of securities owned by the Portfolio
                                            prior to the receipt of such collateral or (b) to the lending agent, or the lending agent&rsquo;s
                                            custodian, in accordance with written Proper Instructions (which may not provide for the
                                            receipt by the Custodian of collateral therefor) agreed upon from time to time by the Custodian
                                            and the Fund;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 36pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">11)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">For
                                            delivery as security in connection with any borrowing by a Fund on behalf of a Portfolio
                                            requiring a pledge of assets by the Fund on behalf of such Portfolio;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 36pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">12)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">For delivery
                                            in accordance with the provisions of any agreement among the Fund on behalf of the Portfolio,
                                            the Custodian and a broker-dealer registered under the Securities Exchange Act of 1934 (the
                                            &ldquo;<B><I>Exchange Act</I></B>&rdquo;) and a member of the Financial Industry Regulatory
                                            Authority, Inc. (&ldquo;<B><I>FINRA</I></B>,&rdquo; formerly known as The National Association
                                            of Securities Dealers, Inc.), relating to compliance with the rules of The Options Clearing
                                            Corporation and of any registered national securities exchange, or of any similar organization
                                            or organizations, regarding escrow or other arrangements in connection with transactions
                                            by the Fund on behalf of a Portfolio;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">13)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">For
                                            delivery in accordance with the provisions of any agreement among a Fund on behalf of the
                                            Portfolio, the Custodian, and a futures commission merchant registered under the</FONT></TD></TR></TABLE>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">Commodity
Exchange Act, relating to compliance with the rules of the Commodity Futures Trading Commission (the &ldquo;<B><I>CFTC</I></B>&rdquo;)
and/or any contract market, or any similar organization or organizations, regarding account deposits in connection with transactions
by the Fund on behalf of a Portfolio;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">14)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">Upon
                                            the sale or other delivery of such investments (including, without limitation, to one or
                                            more (a) Special Sub-Custodians or (b) additional custodians appointed by the Fund, and communicated
                                            to the Custodian from time to time via a writing duly executed by an authorized officer of
                                            the Fund, for the purpose of engaging in repurchase agreement transactions(s), each a &ldquo;<B><I>Repo
                                            Custodian</I></B>&rdquo;), and prior to receipt of payment therefor, as set forth in written
                                            Proper Instructions (such delivery in advance of payment, along with payment in advance of
                                            delivery made in accordance with Section 2.6(7), as applicable, shall each be referred to
                                            herein as a &ldquo;<B><I>Free Trade</I></B>&rdquo;), provided that such Proper Instructions
                                            shall set forth (a) the securities of the Portfolio to be delivered and (b) the person(s)
                                            to whom delivery of such securities shall be made;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">15)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">Upon
                                            receipt of instructions from the Fund&rsquo;s transfer agent (the &ldquo;<B><I>Transfer Agent</I></B>&rdquo;)
                                            for delivery to such Transfer Agent or to the holders of Shares in connection with distributions
                                            in kind, as may be described from time to time in the currently effective prospectus and
                                            statement of additional information of the Fund related to the Portfolio (the &ldquo;<B><I>Prospectus</I></B>&rdquo;),
                                            in satisfaction of requests by holders of Shares for repurchase or redemption;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">16)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">In
                                            the case of a sale processed through the Underlying Transfer Agent of Underlying Shares,
                                            in accordance with Section 2.10 hereof;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">17)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">For
                                            delivery as initial or variation margin in connection with futures or options on futures
                                            contracts entered into by the Fund on behalf of the Portfolio; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">18)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">For
                                            any other purpose, but only upon receipt of Proper Instructions from the Fund on behalf of
                                            the applicable Portfolio specifying (a) the securities of the Portfolio to be delivered and
                                            (b) the person or persons to whom delivery of such securities shall be made.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">2.3 <FONT STYLE="font-variant: small-caps"><U>Registration of Securities</U></FONT>. Domestic securities
held by the Custodian (other than bearer securities) shall be registered in the name of the Portfolio or in the name of any nominee of
a Fund on behalf of the Portfolio or of any nominee of the Custodian which nominee shall be assigned exclusively to the Portfolio, unless
the Fund has authorized in writing the appointment of a nominee to be used in common with other registered management investment companies
having the same investment adviser as the Portfolio, or in the name or nominee name of any agent appointed pursuant to Section 2.7 or
in the name or nominee name of any sub-custodian appointed pursuant to Section 1. All securities accepted by the Custodian on behalf
of the Portfolio under the terms of this Agreement shall be in &ldquo;street name&rdquo; or other good delivery form. If, however, a
Fund directs the Custodian to maintain securities in &ldquo;street name&rdquo;, the Custodian shall utilize its best efforts only to
timely collect income due the Fund on such securities and to notify the Fund on a best efforts basis only of relevant corporate actions
including, without limitation, pendency of calls, maturities, tender or exchange offers.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">2.4 <FONT STYLE="font-variant: small-caps"><U>Bank Accounts</U></FONT>. The Custodian shall open
and maintain a separate bank account or accounts in the United States in the name of each Portfolio of each Fund, subject only to draft
or order by the Custodian acting pursuant to the terms of this Agreement, and shall hold in such account or accounts, subject to the
provisions hereof, all cash received by it from or for the account of the Portfolio, other than</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">cash
maintained by the Portfolio in a bank account established and used in accordance with Rule 17f-3 under the 1940 Act. Funds held by the
Custodian for a Portfolio may be deposited by it to its credit as Custodian in the banking department of the Custodian or in such other
banks or trust companies as it may in its discretion deem necessary or desirable; provided, however, that every such bank or trust company
shall be qualified to act as a custodian under the 1940 Act and that each such bank or trust company and the funds to be deposited with
each such bank or trust company shall on behalf of each applicable Portfolio be approved by vote of a majority of the Board. Such funds
shall be deposited by the Custodian in its capacity as Custodian and shall be withdrawable by the Custodian only in that capacity.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">2.5 <FONT STYLE="font-variant: small-caps"><U>Collection of Income</U></FONT>. Except with respect
to Portfolio property released and delivered pursuant to Section 2.2(14) or purchased pursuant to Section 2.6(7), and subject to the
provisions of Section 2.3, the Custodian shall collect on a timely basis all income and other payments with respect to registered domestic
securities held hereunder to which each Portfolio shall be entitled either by law or pursuant to custom in the securities business, and
shall collect on a timely basis all income and other payments with respect to bearer domestic securities if, on the date of payment by
the issuer, such securities are held by the Custodian or its agent. Without limiting the generality of the foregoing, the Custodian shall
detach and present for payment all coupons and other income items requiring presentation as and when they become due and shall collect
interest when due on securities held hereunder. The Custodian shall credit income to the Portfolio as such income is received or in accordance
with the Custodian&rsquo;s then current payable date income schedule. Any credit to the Portfolio in advance of receipt may be reversed
when the Custodian determines that payment will not occur in due course and the Portfolio may be charged at the Custodian&rsquo;s applicable
rate for time credited. Income due each Portfolio on securities loaned pursuant to the provisions of Section 2.2 (10) shall be the responsibility
of the applicable Fund. The Custodian will have no duty or responsibility in connection therewith, other than to provide the Fund with
such information or data as may be necessary to assist the Fund in arranging for the timely delivery to the Custodian of the income to
which the Portfolio is properly entitled.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">2.6 <FONT STYLE="font-variant: small-caps"><U>Payment of Fund Monies</U></FONT>. The Custodian shall
pay out monies of a Portfolio as provided in Section 5 and otherwise upon receipt of Proper Instructions on behalf of the applicable
Portfolio, which may be continuing instructions when deemed appropriate by the parties, the Custodian shall pay out monies of a Portfolio
in the following cases only:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">1)
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Upon the purchase of domestic securities, derivatives or other instruments for the account
of the Portfolio but only (a) in accordance with customary or established market practices and procedures, including, without limitation,
delivering money to the seller thereof or to a dealer therefor (or an agent for such seller or dealer) against expectation of receiving
later delivery of such securities, derivatives or other instruments or evidence of title to such derivatives or other instruments to
the Custodian (or any bank, banking firm or trust company doing business in the United States or abroad which is qualified under the
1940 Act to act as a custodian and has been designated by the Custodian as its agent for this purpose) registered in the name of the
Portfolio or in the name of a nominee of the Custodian referred to in Section 2.3 hereof or in proper form for transfer; (b) in the case
of a purchase effected through a <FONT STYLE="font-variant: small-caps">U</FONT>.<FONT STYLE="font-variant: small-caps">S</FONT>. Securities
System, in accordance with the conditions set forth in Section 2.8 hereof; (c) in the case of a purchase of Underlying Shares, in accordance
with the conditions set forth in Section 2.10 hereof; (d) in the case of repurchase agreements entered into between the applicable Fund
on behalf of a Portfolio and the Custodian, or another bank, or a broker-dealer which is a member of <FONT STYLE="font-variant: small-caps">FINRA</FONT>,
(i) against delivery of the securities either in certificate form or through an entry crediting the Custodian&rsquo;s account at the
Federal Reserve Bank with such securities or (ii) against delivery of the receipt evidencing purchase by the</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">Portfolio
of securities owned by the Custodian along with written evidence of the agreement by the Custodian to repurchase such securities from
the Portfolio; or (e) for transfer to a time deposit account of the Fund in any bank, whether domestic or foreign; such transfer may
be effected prior to receipt of a confirmation from a broker and/or the applicable bank pursuant to Proper Instructions from the Fund
as defined herein;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">2)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">In connection
                                            with conversion, exchange or surrender of securities owned by the Portfolio as set forth
                                            in Section 2.2 hereof;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; background-color: white"><FONT STYLE="font-size: 10pt">3)&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For the redemption or repurchase of Shares issued as set forth in Section 8
hereof;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">4)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">For
                                            the payment of any expense or liability incurred by the Portfolio, including but not limited
                                            to the following payments for the account of the Portfolio: interest, taxes, management,
                                            accounting, transfer agent and legal fees, and operating expenses of the Fund whether or
                                            not such expenses are to be in whole or part capitalized or treated as deferred expenses;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">5)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">For
                                            the payment of any dividends on Shares declared pursuant to the Fund&rsquo;s articles of
                                            incorporation or organization and by-laws or agreement or declaration of trust, as applicable,
                                            and Prospectus (collectively, &ldquo;<B><I>Governing Documents</I></B>&rdquo;);</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; background-color: white"><FONT STYLE="font-size: 10pt">6)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
For payment of the amount of dividends received in respect of securities sold short;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">7)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">Upon
                                            the purchase of domestic investments including, without limitation, repurchase agreement
                                            transactions involving delivery of Portfolio monies to Repo Custodian(s), and prior to receipt
                                            of such investments, as set forth in written Proper Instructions (such payment in advance
                                            of delivery, along with delivery in advance of payment made in accordance with Section 2.2(14),
                                            as applicable, shall each be referred to herein as a &ldquo;<B><I>Free Trade</I></B>&rdquo;),
                                            provided that such Proper Instructions shall also set forth (a) the amount of such payment
                                            and (b) the person(s) to whom such payment is made;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">8)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.5pt"><FONT STYLE="font-size: 10pt">For
                                            payment as initial or variation margin in connection with futures or options on futures contracts
                                            entered into by the Fund on behalf of the Portfolio; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.5pt 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">9)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">For
                                            any other purpose, but only upon receipt of Proper Instructions from the Fund on behalf of
                                            the Portfolio specifying (a) the amount of such payment and (b) the person or persons to
                                            whom such payment is to be made.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">2.7 <FONT STYLE="font-variant: small-caps"><U>Appointment of Agents</U></FONT>. The Custodian may
at any time or times in its discretion, upon notice to the Fund, appoint (and may at any time remove) any other bank or trust company
which is itself qualified under the 1940 Act to act as a custodian, as its agent to carry out such of the provisions of this Section
2 as the Custodian may from time to time direct; provided, however, that the appointment of any agent shall not relieve the Custodian
of its responsibilities or liabilities hereunder. The Underlying Transfer Agent shall not be deemed an agent or sub-custodian of the
Custodian for purposes of this Section 2.7 or any other provision of this Agreement.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">2.8 <FONT STYLE="font-variant: small-caps"><U>Deposit of Fund Assets in U</U></FONT><U>.<FONT STYLE="font-variant: small-caps">S</FONT>.
<FONT STYLE="font-variant: small-caps">Securities Systems</FONT></U>. The Custodian may deposit and/or maintain securities owned by a
Portfolio in a <FONT STYLE="font-variant: small-caps">U</FONT>.<FONT STYLE="font-variant: small-caps">S</FONT>. Securities System in
compliance with the conditions of Rule 17f-4 under the 1940 Act, as amended from time to time.</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">2.9 <FONT STYLE="font-variant: small-caps"><U>Segregated Account</U></FONT>. The Custodian shall
upon receipt of Proper Instructions on behalf of each applicable Portfolio, establish and maintain a segregated account or accounts for
and on behalf of each such Portfolio, into which account or accounts may be transferred cash and/or securities of the Portfolio, including
securities maintained in an account by the Custodian pursuant to Section 2.8 hereof and collateral of a broker-dealer held by the Portfolio,
(a) in accordance with the provisions of any agreement among the Fund on behalf of the Portfolio, the Custodian and a broker-dealer registered
under the Exchange Act and a member of the <FONT STYLE="font-variant: small-caps">FINRA </FONT>(or any futures commission merchant registered
under the Commodity Exchange Act), relating to compliance with the rules of The Options Clearing Corporation and of any registered national
securities exchange (or the <FONT STYLE="font-variant: small-caps">CFTC </FONT>or any registered contract market), or of any similar
organization or organizations, regarding escrow or other arrangements in connection with transactions by the Portfolio, (b) for purposes
of segregating cash or government securities in connection with options purchased, sold or written by the Portfolio or commodity futures
contracts or options thereon purchased or sold by the Portfolio, (c) for the purposes of compliance by the Portfolio with the procedures
required by Investment Company Act Release No. 10666, or any subsequent release of the <FONT STYLE="font-variant: small-caps">U</FONT>.<FONT STYLE="font-variant: small-caps">S</FONT>.
Securities and Exchange Commission (the &ldquo;<B><I>SEC</I></B>&rdquo;), or interpretative opinion of the staff of the <FONT STYLE="font-variant: small-caps">SEC</FONT>,
relating to the maintenance of segregated accounts by registered management investment companies, and (d) for any other purpose in accordance
with Proper Instructions.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">2.10 <FONT STYLE="font-variant: small-caps"><U>Deposit of Fund Assets with the Underlying Transfer
Agent</U></FONT>. Underlying Shares beneficially owned by the Fund, on behalf of a Portfolio, shall be deposited and/or maintained in
an account or accounts maintained with an Underlying Transfer Agent and the Custodian&rsquo;s only responsibilities with respect thereto
shall be limited to the following:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">1)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Upon receipt
                                            of a confirmation or statement from an Underlying Transfer Agent that such Underlying Transfer
                                            Agent is holding or maintaining Underlying Shares in the name of the Custodian (or a nominee
                                            of the Custodian) for the benefit of a Portfolio, the Custodian shall identify by book-entry
                                            that such Underlying Shares are being held by it as custodian for the benefit of such Portfolio.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">2)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">In respect
                                            of the purchase of Underlying Shares for the account of a Portfolio, upon receipt of Proper
                                            Instructions, the Custodian shall pay out monies of such Portfolio as so directed, and record
                                            such payment from the account of such Portfolio on the Custodian&rsquo;s books and records.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">3)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">In respect
                                            of the sale or redemption of Underlying Shares for the account of a Portfolio, upon receipt
                                            of Proper Instructions, the Custodian shall transfer such Underlying Shares as so directed,
                                            record such transfer from the account of such Portfolio on the Custodian&rsquo;s books and
                                            records and, upon the Custodian&rsquo;s receipt of the proceeds therefor, record such payment
                                            for the account of such Portfolio on the Custodian&rsquo;s books and records.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
Custodian shall not be liable to the Fund for any loss or damage to the Fund or any Portfolio resulting from the maintenance of Underlying
Shares with an Underlying Transfer Agent except for losses resulting directly from the fraud, negligence or willful misconduct of the
Custodian or any of its agents or of any of its or their employees.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">2.11 <FONT STYLE="font-variant: small-caps"><U>Ownership Certificates for Tax Purposes</U></FONT>.
The Custodian shall execute ownership and other certificates and affidavits for all federal and state tax purposes in connection with
receipt of income or other payments with respect to domestic securities of each Portfolio held by it and in connection with transfers
of securities.</FONT></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">2.12 <FONT STYLE="font-variant: small-caps"><U>Proxies</U></FONT>. Except with respect to Portfolio
property released and delivered pursuant to Section 2.2(14), or purchased pursuant to Section 2.6(7), the Custodian shall, with respect
to the domestic securities held hereunder, cause to be promptly executed by the registered holder of such securities, if the securities
are registered otherwise than in the name of the Portfolio or a nominee of the Portfolio, all proxies, without indication of the manner
in which such proxies are to be voted, and shall promptly deliver to the Fund such proxies, all proxy soliciting materials and all notices
relating to such securities.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">2.13 <FONT STYLE="font-variant: small-caps"><U>Communications Relating to Portfolio Securities</U></FONT>.
Except with respect to Portfolio property released and delivered pursuant to Section 2.2(14), or purchased pursuant to Section 2.6(7),
and subject to the provisions of Section 2.3, the Custodian shall transmit promptly to the applicable Fund for each Portfolio all written
information (including, without limitation, pendency of calls and maturities of domestic securities and expirations of rights in connection
therewith and notices of exercise of call and put options written by the Fund on behalf of the Portfolio and the maturity of futures
contracts purchased or sold by the Fund on behalf of the Portfolio) received by the Custodian from issuers of the securities being held
for the Portfolio. With respect to tender or exchange offers, the Custodian shall transmit promptly to the applicable Fund all written
information received by the Custodian from issuers of the securities whose tender or exchange is sought and from the party (or its agents)
making the tender or exchange offer. The Custodian shall not be liable for any untimely exercise of any tender, exchange or other right
or power in connection with domestic securities or other property of the Portfolios at any time held by it unless (i) the Custodian is
in actual possession of such domestic securities or property and (ii) the Custodian receives Proper Instructions with regard to the exercise
of any such right or power, and both (i) and (ii) occur at least three business days prior to the date on which the Custodian is to take
action to exercise such right or power. The Custodian shall also transmit promptly to the applicable Fund for each Portfolio all written
information received by the Custodian regarding any class action or other litigation in connection with Portfolio securities or other
assets issued in the United States and then held, or previously held, during the term of this Agreement by the Custodian for the account
of the Fund for such Portfolio, including, but not limited to, opt-out notices and proof-of-claim forms. For avoidance of doubt, upon
and after the effective date of any termination of this Agreement, with respect to a Fund or its Portfolio(s), as may be applicable,
the Custodian shall have no responsibility to so transmit any information under this Section 2.13.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">3. <FONT STYLE="font-variant: small-caps"><U>Provisions Relating to Rules </U></FONT><U>17<FONT STYLE="font-variant: small-caps">f</FONT>-5
<FONT STYLE="font-variant: small-caps">and </FONT>17<FONT STYLE="font-variant: small-caps">f</FONT>-7</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">3.1. <FONT STYLE="font-variant: small-caps"><U>Definitions</U></FONT>. As used throughout this Agreement,
the capitalized terms set forth below shall have the indicated meanings:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&ldquo;<B><I>Country
Risk</I></B>&rdquo; means all factors reasonably related to the systemic risk of holding Foreign Assets in a particular country including,
but not limited to, such country&rsquo;s political environment, economic and financial infrastructure (including any Eligible Securities
Depository operating in the country), prevailing or developing custody and settlement practices, and laws and regulations applicable
to the safekeeping and recovery of Foreign Assets held in custody in that country.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&ldquo;<B><I>Eligible
Foreign Custodian</I></B>&rdquo; has the meaning set forth in section (a)(1) of Rule 17f-5, including a majority-owned or indirect subsidiary
of a <FONT STYLE="font-variant: small-caps">U</FONT>.<FONT STYLE="font-variant: small-caps">S</FONT>. Bank (as defined in Rule 17f-5),
a bank holding company meeting the requirements of an Eligible Foreign Custodian (as set forth in Rule 17f-5 or by other appropriate
action of the <FONT STYLE="font-variant: small-caps">SEC</FONT>), or a foreign branch of a Bank (as defined in Section 2(a)(5) of the
1940 Act) meeting the requirements of a custodian under Section 17(f) of the 1940 Act; the term does not include any Eligible Securities
Depository.</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&ldquo;<B><I>Eligible
Securities Depository</I></B>&rdquo; has the meaning set forth in section (b)(1) of Rule 17f-7.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&ldquo;<B><I>Foreign
Assets</I></B>&rdquo; means any of the Portfolios&rsquo; investments (including foreign currencies) for which the primary market is outside
the United States and such cash and cash equivalents as are reasonably necessary to effect the Portfolios&rsquo; transactions in such
investments.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&ldquo;<B><I>Foreign
Custody Manager</I></B>&rdquo; has the meaning set forth in section (a)(3) of Rule 17f-5.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&ldquo;<B><I>Rule
17f-5</I></B>&rdquo; means Rule 17f-5 promulgated under the 1940 Act.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&ldquo;<B><I>Rule
17f-7</I></B>&rdquo; means Rule 17f-7 promulgated under the 1940 Act.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">3.2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT STYLE="font-variant: small-caps"><U>The Custodian as Foreign Custody
Manager</U></FONT>.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 72pt; background-color: white"><FONT STYLE="font-size: 10pt">3.2.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><U>Delegation
to the Custodian as Foreign Custody Manager</U></FONT>. Each Fund, by resolution adopted by its Board, hereby delegates to the Custodian,
subject to Section (b) of Rule 17f-5, the responsibilities set forth in this Section 3.2 with respect to Foreign Assets of the Portfolios
held outside the United States, and the Custodian hereby accepts such delegation as Foreign Custody Manager with respect to the Portfolios.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 72pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 72pt; background-color: white"><FONT STYLE="font-size: 10pt">3.2.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><U>Countries
Covered</U></FONT>. The Foreign Custody Manager shall be responsible for performing the delegated responsibilities defined below only
with respect to the countries and custody arrangements for each such country listed on Schedule <FONT STYLE="font-variant: small-caps">A
</FONT>to this Agreement, which list of countries may be amended from time to time by any Fund with the agreement of the Foreign Custody
Manager. The Foreign Custody Manager shall list on Schedule <FONT STYLE="font-variant: small-caps">A </FONT>the Eligible Foreign Custodians
selected by the Foreign Custody Manager to maintain the assets of the Portfolios, which list of Eligible Foreign Custodians may be amended
from time to time in the sole discretion of the Foreign Custody Manager. The Foreign Custody Manager will provide amended versions of
Schedule <FONT STYLE="font-variant: small-caps">A </FONT>in accordance with Section 3.2.5 hereof.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 72pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">Upon
the receipt by the Foreign Custody Manager of Proper Instructions to open an account or to place or maintain Foreign Assets in a country
listed on Schedule <FONT STYLE="font-variant: small-caps">A</FONT>, and the fulfillment by each Fund, on behalf of the applicable Portfolio(s),
of the applicable account opening requirements for such country, the Foreign Custody Manager shall be deemed to have been delegated by
such Fund&rsquo;s Board on behalf of such Portfolio(s) responsibility as Foreign Custody Manager with respect to that country and to
have accepted such delegation. Execution of this Agreement by each Fund shall be deemed to be a Proper Instruction to open an account,
or to place or maintain Foreign Assets, in each country listed on Schedule <FONT STYLE="font-variant: small-caps">A</FONT>. Following
the receipt of Proper Instructions directing the Foreign Custody Manager to close the account of a Portfolio with the Eligible Foreign
Custodian selected by the Foreign Custody Manager in a designated country, the delegation by the Board on behalf of such Portfolio to
the Custodian as Foreign Custody Manager for that country shall be deemed to have been withdrawn and the Custodian shall immediately
cease to be the Foreign Custody Manager with respect to such Portfolio with respect to that country.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
Foreign Custody Manager may withdraw its acceptance of delegated responsibilities with respect to a designated country upon written notice
to the Fund. Forty-five (45) days (or such shorter or longer period to which the parties may agree in writing) after receipt of any such
notice by the Fund, the Custodian shall have no further responsibility in its capacity as Foreign Custody Manager to the Fund with respect
to the country as to which the Custodian&rsquo;s acceptance of delegation is withdrawn.</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; background-color: white"><FONT STYLE="font-size: 10pt">3.2.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><U>Scope
of Delegated Responsibilities</U></FONT>:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><U>Selection
of Eligible Foreign Custodians</U></FONT>. Subject to the provisions of this Section 3.2, the Foreign Custody Manager may place and maintain
the Foreign Assets in the care of the Eligible Foreign Custodian selected by the Foreign Custody Manager in each country listed on Schedule
<FONT STYLE="font-variant: small-caps">A</FONT>, as amended from time to time. In performing its delegated responsibilities as Foreign
Custody Manager to place or maintain Foreign Assets with an Eligible Foreign Custodian, the Foreign Custody Manager shall determine that
the Foreign Assets will be subject to reasonable care, based on the standards applicable to custodians in the country in which the Foreign
Assets will be held by that Eligible Foreign Custodian, after considering all factors relevant to the safekeeping of such assets, including,
without limitation the factors specified in Rule 17f-5(c)(1).</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><U>Contracts
With Eligible Foreign Custodians</U></FONT>. The Foreign Custody Manager shall determine that the contract governing the foreign custody
arrangements with each Eligible Foreign Custodian selected by the Foreign Custody Manager will satisfy the requirements of Rule 17f-5(c)(2).</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><U>Monitoring</U></FONT>.
In each case in which the Foreign Custody Manager maintains Foreign Assets with an Eligible Foreign Custodian selected by the Foreign
Custody Manager, the Foreign Custody Manager shall establish a system to monitor (i) the appropriateness of maintaining the Foreign Assets
with such Eligible Foreign Custodian and (ii) the contract governing the custody arrangements established by the Foreign Custody Manager
with the Eligible Foreign Custodian. In the event the Foreign Custody Manager determines that the custody arrangements with an Eligible
Foreign Custodian it has selected are no longer appropriate, the Foreign Custody Manager shall notify the Board in accordance with Section
3.2.5 hereunder.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 72pt; background-color: white"><FONT STYLE="font-size: 10pt">3.2.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><U>Guidelines
for the Exercise of Delegated Authority</U></FONT>. For purposes of this Section 3.2, the Board shall be deemed to have considered and
determined to accept such Country Risk as is incurred by placing and maintaining the Foreign Assets in each country for which the Custodian
is serving as Foreign Custody Manager of the Portfolios.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 72pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 72pt; background-color: white"><FONT STYLE="font-size: 10pt">3.2.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><U>Reporting
Requirements</U></FONT>. The Foreign Custody Manager shall report the withdrawal of the Foreign Assets from an Eligible Foreign Custodian
and the placement of such Foreign Assets with another Eligible Foreign Custodian by providing to the Board an amended Schedule <FONT STYLE="font-variant: small-caps">A
</FONT>at the end of the calendar quarter in which an amendment to such Schedule has occurred. The Foreign Custody Manager shall make
written reports notifying the Board of any other material change in the foreign custody arrangements of the Portfolios described in this
Section 3.2 after the occurrence of the material change.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 72pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 72pt; background-color: white"><FONT STYLE="font-size: 10pt">3.2.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><U>Standard
of Care as Foreign Custody Manager of a Portfolio</U></FONT>. In performing the responsibilities delegated to it, the Foreign Custody
Manager agrees to exercise reasonable care, prudence and diligence such as a person having responsibility for the safekeeping of assets
of management investment companies registered under the 1940 Act would exercise.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 72pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 72pt; background-color: white"><FONT STYLE="font-size: 10pt">3.2.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><U>Representations
with Respect to Rule </U></FONT><U>17<FONT STYLE="font-variant: small-caps">f</FONT>-5</U>. The Foreign Custody Manager represents to
each Fund that it is a <FONT STYLE="font-variant: small-caps">U</FONT>.<FONT STYLE="font-variant: small-caps">S</FONT>. Bank as defined
in section (a)(7) of Rule 17f-5. Each Fund represents to the Custodian that its Board has determined that it is reasonable for such Board
to rely on the Custodian to perform the responsibilities delegated pursuant to this Agreement to the Custodian as the Foreign Custody
Manager of the Portfolios.</FONT></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 72pt; background-color: white"><FONT STYLE="font-size: 10pt">3.2.8
<FONT STYLE="font-variant: small-caps"><U>Effective Date and Termination of the Custodian as Foreign Custody Manager</U></FONT>. Each
Board&rsquo;s delegation to the Custodian as Foreign Custody Manager of the Portfolios shall be effective as of the date hereof and shall
remain in effect until terminated at any time, without penalty, by written notice from the terminating party to the non-terminating party.
Termination will become effective forty-five (45) days after receipt by the non-terminating party of such notice. The provisions of Section
3.2.2 hereof shall govern the delegation to and termination of the Custodian as Foreign Custody Manager of the Portfolios with respect
to designated countries.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 72pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">3.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT STYLE="font-variant: small-caps"><U>Eligible Securities
Depositories</U></FONT>.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 72pt; background-color: white"><FONT STYLE="font-size: 10pt">3.3.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><U>Analysis
and Monitoring</U></FONT>. The Custodian shall (a) provide the Fund (or its duly-authorized investment manager or investment adviser)
with an analysis of the custody risks associated with maintaining assets with the Eligible Securities Depositories set forth on Schedule
<FONT STYLE="font-variant: small-caps">B </FONT>hereto in accordance with section (a)(1)(i)(A) of Rule 17f-7, and (b) monitor such risks
on a continuing basis, and promptly notify the Fund (or its duly-authorized investment manager or investment adviser) of any material
change in such risks, in accordance with section (a)(1)(i)(B) of Rule 17f-7.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 72pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 72pt; background-color: white"><FONT STYLE="font-size: 10pt">3.3.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><U>Standard
of Care</U></FONT>. The Custodian agrees to exercise reasonable care, prudence and diligence in performing the duties set forth in Section
3.3.1.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 72pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: -69.35pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT STYLE="font-variant: small-caps"><U>Duties of
the Custodian with Respect to Property of the Portfolios to be Held Outside the United States</U></FONT></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: -69.35pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">4.1 <FONT STYLE="font-variant: small-caps"><U>Definitions</U></FONT>. As used throughout this Agreement,
the capitalized terms set forth below shall have the indicated meanings:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&ldquo;<B><I>Foreign
Securities System</I></B>&rdquo; means an Eligible Securities Depository listed on Schedule <FONT STYLE="font-variant: small-caps">B
</FONT>hereto.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&ldquo;<B><I>Foreign
Sub-Custodian</I></B>&rdquo; means a foreign banking institution serving as an Eligible Foreign Custodian.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">4.2. <FONT STYLE="font-variant: small-caps"><U>Holding Securities</U></FONT>. The Custodian shall
identify on its books as belonging to the Portfolios the foreign securities held by each Foreign Sub-Custodian or Foreign Securities
System. The Custodian may hold foreign securities for all of its customers, including the Portfolios, with any Foreign Sub-Custodian in
an account that is identified as belonging to the Custodian for the benefit of its customers, provided however, that (i) the records
of the Custodian with respect to foreign securities of the Portfolios which are maintained in such account shall identify those securities
as belonging to the Portfolios and (ii), to the extent permitted and customary in the market in which the account is maintained, the
Custodian shall require that securities so held by the Foreign Sub-Custodian be held separately from any assets of such Foreign Sub-Custodian
or of other customers of such Foreign Sub-Custodian.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">4.3. <FONT STYLE="font-variant: small-caps"><U>Foreign Securities Systems</U></FONT>. Foreign securities
shall be maintained in a Foreign Securities System in a designated country through arrangements implemented by the Custodian or a Foreign
Sub-Custodian, as applicable, in such country.</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">4.4. <FONT STYLE="font-variant: small-caps"><U>Transactions in Foreign Custody Account</U></FONT>.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 72pt; background-color: white"><FONT STYLE="font-size: 10pt">4.4.1.
<FONT STYLE="font-variant: small-caps"><U>Delivery of Foreign Assets</U></FONT>. The Custodian or a Foreign Sub-Custodian shall release
and deliver foreign securities of the Portfolios held by the Custodian or such Foreign Sub-Custodian, or in a Foreign Securities System
account, only upon receipt of Proper Instructions, which may be continuing instructions when deemed appropriate by the parties, and only
in the following cases:</FONT></P>






<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; width: 7%; padding-top: 10.8pt; text-align: justify"><FONT STYLE="font-size: 11pt">(i) </FONT></TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; width: 86%; padding-top: 10.8pt; text-align: justify"><FONT STYLE="font-size: 11pt">Upon the sale of such foreign securities for the Portfolio in accordance with commercially <FONT STYLE="letter-spacing: -0.05pt">reasonable market practice in the country where such foreign securities are held or traded, </FONT><FONT STYLE="letter-spacing: -0.15pt">including, without limitation: (<FONT STYLE="font-variant: small-caps">A</FONT>) delivery against expectation of receiving later payment; or </FONT><FONT STYLE="letter-spacing: -0.2pt">(<FONT STYLE="font-variant: small-caps">B</FONT>) in the case of a sale effected through a Foreign Securities System, in accordance with the </FONT>rules governing the operation of the Foreign Securities System;</FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt"><FONT STYLE="font-size: 11pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt"><FONT STYLE="font-size: 11pt">In connection with any repurchase agreement related to foreign securities;</FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">(iii) </FONT></TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">To the depository agent in connection with tender or other similar offers for foreign securities of the Portfolios;</FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt; letter-spacing: -0.05pt">(iv) </FONT></TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt; letter-spacing: -0.05pt">To the issuer thereof or its agent when such foreign securities are called, redeemed, retired or </FONT><FONT STYLE="font-size: 11pt">otherwise become payable;</FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">(v) </FONT></TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">To the issuer thereof, or its agent, for transfer into the name of the Custodian (or the name of <FONT STYLE="letter-spacing: -0.05pt">the respective Foreign Sub-Custodian or of any nominee of the Custodian or such Foreign </FONT>Sub-Custodian) or for exchange for a different number of bonds, certificates or other evidence representing the same aggregate face amount or number of units;</FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">(vi) </FONT></TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">To brokers, clearing banks or other clearing agents for examination or trade execution in <FONT STYLE="letter-spacing: -0.1pt">accordance with market custom; provided that in any such case, the Foreign Sub-Custodian </FONT><FONT STYLE="letter-spacing: -0.15pt">shall have no responsibility or liability for any loss arising from the delivery of such foreign </FONT><FONT STYLE="letter-spacing: -0.2pt">securities prior to receiving payment for such foreign securities except as may arise from the </FONT>Foreign Sub-Custodian&rsquo;s own negligence or willful misconduct;</FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; padding-top: 11.05pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">(vii) </FONT></TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; padding-top: 11.05pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">For exchange or conversion pursuant to any plan of merger, consolidation, recapitalization, <FONT STYLE="letter-spacing: -0.2pt">reorganization or readjustment of the securities of the issuer of such securities, or pursuant to provisions for conversion contained in such securities, or pursuant to any deposit agreement;</FONT></FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt/12.7pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">(viii) </FONT></TD>
    <TD STYLE="font: 10pt/12.7pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">In the case of warrants, rights or similar foreign securities, the surrender thereof in the <FONT STYLE="letter-spacing: -0.1pt">exercise of such warrants, rights or similar securities or the surrender of interim receipts or </FONT>temporary securities for definitive securities;</FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt/12.7pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt; letter-spacing: -0.05pt">(ix) </FONT></TD>
    <TD STYLE="font: 10pt/12.7pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt; letter-spacing: -0.05pt">For delivery as security in connection with any borrowing by a Fund on behalf of a Portfolio </FONT><FONT STYLE="font-size: 11pt">requiring a pledge of assets by the Fund on behalf of such Portfolio;</FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt/12.7pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">(x) </FONT></TD>
    <TD STYLE="font: 10pt/12.7pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">In connection with trading in options and futures contracts, including delivery as original margin and variation margin;</FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; padding-top: 11.05pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">(xi) </FONT></TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; padding-top: 11.05pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">Upon the sale or other delivery of such foreign securities (including, without limitation, to one or more Special Sub-Custodians or Repo Custodians) as a Free Trade, provided that <FONT STYLE="letter-spacing: -0.05pt">applicable Proper Instructions shall set forth (<FONT STYLE="font-variant: small-caps">A</FONT>) the foreign securities to be delivered and </FONT>(<FONT STYLE="font-variant: small-caps">B</FONT>) the person or persons to whom delivery shall be made;</FONT></TD></TR>
</TABLE>



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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 0; width: 7%"><FONT STYLE="font-size: 11pt">(xii) </FONT></TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 0; width: 86%"><FONT STYLE="font-size: 11pt">In connection with the lending of foreign securities; and</FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; padding-top: 11.05pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">(xiii)</FONT></TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; padding-top: 11.05pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">&nbsp;For any other purpose, but only upon receipt of Proper Instructions specifying (<FONT STYLE="font-variant: small-caps">A</FONT>) the foreign securities to be delivered and (<FONT STYLE="font-variant: small-caps">B</FONT>) the person or persons to whom delivery of such securities shall be made.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 67.45pt; background-color: white"><FONT STYLE="font-size: 10pt">4.4.2.
<FONT STYLE="font-variant: small-caps"><U>Payment of Portfolio Monies</U></FONT>. Upon receipt of Proper Instructions, which may be continuing
instructions when deemed appropriate by the parties, the Custodian shall pay out, or direct the respective Foreign Sub-Custodian or the
respective Foreign Securities System to pay out, monies of a Portfolio in the following cases only:</FONT></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0pt 0pt; text-align: justify; text-indent: -36pt; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 0; width: 7%">&nbsp;</TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; width: 7%; padding-top: 0; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt; letter-spacing: -0.05pt">(i) </FONT></TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; width: 86%; padding-top: 0; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt; letter-spacing: -0.05pt">Upon the purchase of foreign securities for the Portfolio, unless otherwise directed by Proper </FONT><FONT STYLE="font-size: 11pt; letter-spacing: -0.2pt">Instructions, by (<FONT STYLE="font-variant: small-caps">A</FONT>) delivering money to the seller thereof or to a dealer therefor (or an agent </FONT><FONT STYLE="font-size: 11pt">for such seller or dealer) against expectation of receiving later delivery of such foreign <FONT STYLE="letter-spacing: -0.1pt">securities; or (<FONT STYLE="font-variant: small-caps">B</FONT>) in the case of a purchase effected through a Foreign Securities System, in </FONT>accordance with the rules governing the operation of such Foreign Securities System;</FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt/12.7pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; text-align: justify"><FONT STYLE="font-size: 11pt">(ii) </FONT></TD>
    <TD STYLE="font: 10pt/12.7pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; text-align: justify"><FONT STYLE="font-size: 11pt">In connection with the conversion, exchange or surrender of foreign securities of the Portfolio;</FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt/12.7pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; text-align: justify"><FONT STYLE="font-size: 11pt">(iii) </FONT></TD>
    <TD STYLE="font: 10pt/12.7pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; text-align: justify"><FONT STYLE="font-size: 11pt">For the payment of any expense or liability of the Portfolio, including but not limited to the following payments: interest, taxes, investment advisory fees, transfer agency fees, fees under this Agreement, legal fees, accounting fees, and other operating expenses;</FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt/12.7pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; text-align: justify"><FONT STYLE="font-size: 11pt">(iv) </FONT></TD>
    <TD STYLE="font: 10pt/12.7pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; text-align: justify"><FONT STYLE="font-size: 11pt">For the purchase or sale of foreign exchange or foreign exchange contracts for the Portfolio, <FONT STYLE="letter-spacing: -0.2pt">including transactions executed with or through the Custodian or its Foreign Sub-Custodians;</FONT></FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt/12.7pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">(v) </FONT></TD>
    <TD STYLE="font: 10pt/12.7pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">In connection with trading in options and futures contracts, including delivery as original margin and variation margin;</FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">(vi) </FONT></TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">Upon the purchase of foreign investments including, without limitation, repurchase agreement transactions involving delivery of Portfolio monies to Repo Custodian(s), as a <FONT STYLE="letter-spacing: -0.05pt">Free Trade, provided that applicable Proper Instructions shall set forth (<FONT STYLE="font-variant: small-caps">A</FONT>) the amount of </FONT>such payment and (<FONT STYLE="font-variant: small-caps">B</FONT>) the person or persons to whom payment shall be made;</FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt"><FONT STYLE="font-size: 11pt">(vii)&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt"><FONT STYLE="font-size: 11pt">&nbsp;&nbsp;For payment of part or all of the dividends received in respect of securities sold short;</FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt"><FONT STYLE="font-size: 11pt">(viii)&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt"><FONT STYLE="font-size: 11pt">&nbsp;&nbsp;In connection with the borrowing or lending of foreign securities; and</FONT></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">(ix)</FONT></TD>
    <TD STYLE="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; padding-top: 10.8pt; padding-right: 0.25pt; text-align: justify"><FONT STYLE="font-size: 11pt">&nbsp;For any other purpose, but only upon receipt of Proper Instructions specifying (<FONT STYLE="font-variant: small-caps">A</FONT>) the <FONT STYLE="letter-spacing: -0.2pt">amount of such payment and (<FONT STYLE="font-variant: small-caps">B</FONT>) the person or persons to whom such payment is to be made.</FONT></FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 72pt; background-color: white"><FONT STYLE="font-size: 10pt">4.4.3.
<FONT STYLE="font-variant: small-caps"><U>Market Conditions</U></FONT>. Notwithstanding any provision of this Agreement to the contrary,
settlement and payment for Foreign Assets received for the account of the Portfolios and delivery of Foreign Assets maintained for the
account of the Portfolios may be effected in accordance with the customary established securities trading or processing practices and
procedures in the country or market in which the</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">transaction
occurs, including, without limitation, delivering Foreign Assets to the purchaser thereof or to a dealer therefor (or an agent for such
purchaser or dealer) with the expectation of receiving later payment for such Foreign Assets from such purchaser or dealer.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
Custodian shall provide to each Board and Fund the information with respect to custody and settlement practices in countries in which
the Custodian employs a Foreign Sub-Custodian described on Schedule <FONT STYLE="font-variant: small-caps">C </FONT>hereto at the time
or times set forth on such Schedule. The Custodian may revise Schedule <FONT STYLE="font-variant: small-caps">C </FONT>from time to time,
provided that no such revision shall result in a Board or Fund being provided with substantively less information than had been previously
provided hereunder.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">4.5. <FONT STYLE="font-variant: small-caps"><U>Registration of Foreign Securities</U></FONT>. The
foreign securities maintained in the custody of a Foreign Sub-Custodian (other than bearer securities) shall be registered in the name
of the applicable Portfolio or in the name of the Custodian or in the name of any Foreign Sub-Custodian or in the name of any nominee
of the foregoing, and the applicable Fund on behalf of such Portfolio agrees to hold any such nominee harmless from any liability as
a holder of record of such foreign securities. The Custodian or a Foreign Sub-Custodian shall not be obligated to accept securities on
behalf of a Portfolio under the terms of this Agreement unless the form of such securities and the manner in which they are delivered
are in accordance with reasonable market practice.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">4.6 <FONT STYLE="font-variant: small-caps"><U>Bank Accounts</U></FONT>. The Custodian shall identify
on its books as belonging to the applicable Fund cash (including cash denominated in foreign currencies) deposited with the Custodian.
Where the Custodian is unable to maintain, or market practice does not facilitate the maintenance of, cash on the books of the Custodian,
a bank account or bank accounts shall be opened and maintained outside the United States on behalf of a Portfolio with a Foreign Sub-Custodian.
All accounts referred to in this Section shall be subject only to draft or order by the Custodian (or, if applicable, such Foreign Sub-Custodian)
acting pursuant to the terms of this Agreement to hold cash received by or from or for the account of the Portfolio. Cash maintained
on the books of the Custodian (including its branches, subsidiaries and affiliates), regardless of currency denomination, is maintained
in bank accounts established under, and subject to the laws of, The Commonwealth of Massachusetts.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">4.7. <FONT STYLE="font-variant: small-caps"><U>Collection of Income</U></FONT>. The Custodian shall
use reasonable commercial efforts to collect all income and other payments with respect to the Foreign Assets held hereunder to which
the Portfolios shall be entitled. In the event that extraordinary measures are required to collect such income, the Fund and the Custodian
shall consult as to such measures and as to the compensation and expenses of the Custodian relating to such measures. The Custodian shall
credit income to the applicable Portfolio as such income is received or in accordance with Custodian&rsquo;s then current payable date
income schedule. Any credit to the Portfolio in advance of receipt may be reversed when the Custodian determines that payment will not
occur in due course and the Portfolio may be charged at the Custodian&rsquo;s applicable rate for time credited. Income on securities
loaned other than from the Custodian&rsquo;s securities lending program shall be credited as received.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">4.8 <FONT STYLE="font-variant: small-caps"><U>Shareholder Rights</U></FONT>. With respect to the
foreign securities held pursuant to this Section 4, the Custodian shall use reasonable commercial efforts to facilitate the exercise
of voting and other shareholder rights, subject always to the laws, regulations and practical constraints that may exist in the country
where such securities are issued. Each Fund acknowledges that local conditions, including lack of regulation, onerous procedural obligations,
lack of notice and other factors may have the effect of severely limiting the ability of such Fund to exercise shareholder rights.</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">4.9. <FONT STYLE="font-variant: small-caps"><U>Communications Relating to Foreign Securities</U></FONT>.
The Custodian shall transmit promptly to the applicable Fund written information with respect to materials received by the Custodian
via the Foreign Sub-Custodians from issuers of the foreign securities being held for the account of the Portfolios (including, without
limitation, pendency of calls and maturities of foreign securities and expirations of rights in connection therewith). With respect to
tender or exchange offers, the Custodian shall transmit promptly to the applicable Fund written information with respect to materials
so received by the Custodian from issuers of the foreign securities whose tender or exchange is sought or from the party (or its agents)
making the tender or exchange offer. The Custodian shall not be liable for any untimely exercise of any tender, exchange or other right
or power in connection with foreign securities or other property of the Portfolios at any time held by it unless (i) the Custodian or
the respective Foreign Sub-Custodian is in actual possession of such foreign securities or property and (ii) the Custodian receives Proper
Instructions with regard to the exercise of any such right or power, and both (i) and (ii) occur at least three business days prior to
the date on which the Custodian is to take action to exercise such right or power. The Custodian shall also transmit promptly to the
applicable Fund all written information received by the Custodian via the Foreign Sub-Custodians from issuers of the foreign securities
being held for the account of the Portfolios regarding any class action or other litigation in connection with Portfolio foreign securities
or other assets issued outside the United States and then held, or previously held, during the term of this Agreement by the Custodian
via a Foreign Sub-Custodian for the account of the Fund for such Portfolio, including, but not limited to, opt-out notices and proof-of-claim
forms. For avoidance of doubt, upon and after the effective date of any termination of this Agreement, with respect to a Fund or its
Portfolio(s), as may be applicable, the Custodian shall have no responsibility to so transmit any information under this Section 4.9.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">4.10. <FONT STYLE="font-variant: small-caps"><U>Liability of Foreign Sub</U></FONT><U>-<FONT STYLE="font-variant: small-caps">Custodians</FONT></U>.
Each agreement pursuant to which the Custodian employs a Foreign Sub-Custodian shall, to the extent possible, require the Foreign Sub-Custodian
to exercise reasonable care in the performance of its duties, and to indemnify, and hold harmless, the Custodian from and against any
loss, damage, cost, expense, liability or claim arising out of or in connection with the Foreign Sub-Custodian&rsquo;s performance of
such obligations. At a Fund&rsquo;s election, the Portfolios shall be entitled to be subrogated to the rights of the Custodian with respect
to any claims against a Foreign Sub-Custodian as a consequence of any such loss, damage, cost, expense, liability or claim if and to the
extent that the Portfolios have not been made whole for any such loss, damage, cost, expense, liability or claim.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">4.11 <FONT STYLE="font-variant: small-caps"><U>Tax Law</U></FONT>. The Custodian shall have no responsibility
or liability for any obligations now or hereafter imposed on any Fund, the Portfolios or the Custodian as custodian of the Portfolios
by the tax law of the United States or of any state or political subdivision thereof. It shall be the responsibility of each Fund to
notify the Custodian of the obligations imposed on such Fund with respect to the Portfolios or the Custodian as custodian of the Portfolios
by the tax law of countries other than those mentioned in the above sentence, including responsibility for withholding and other taxes,
assessments or other governmental charges, certifications and governmental reporting. The sole responsibilities of the Custodian with
regard to such tax law shall be to use reasonable efforts to effect the withholding of local taxes and related charges with regard to
market entitlements/payments in accordance with local law and subject to local market practice or custom, and to assist the Fund with
respect to any claim for exemption or refund under the tax law of countries for which such Fund has provided such information. Except
as specifically provided in this Agreement or otherwise agreed to in writing by the Custodian, the Custodian shall have no independent
obligation to determine the tax obligations now or hereafter imposed on any of the Funds by any taxing authority or to obtain or provide
information relating thereto, and shall have no obligation or liability with respect to such tax obligations, it being specifically understood
and agreed that the Custodian shall not thereby or otherwise be considered any Fund&rsquo;s tax advisor or tax counsel.</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">4.12. <FONT STYLE="font-variant: small-caps"><U>Liability of Custodian</U></FONT>. The Custodian
shall be liable for the acts or omissions of a Foreign Sub-Custodian to the same extent as set forth with respect to sub-custodians generally
in this Agreement and, regardless of whether assets are maintained in the custody of a Foreign Sub-Custodian or a Foreign Securities
System, the Custodian shall not be liable for any loss, damage, cost, expense, liability or claim resulting from nationalization, expropriation,
currency restrictions, or acts of war or terrorism, or any other loss where the Sub-Custodian has otherwise acted with reasonable care.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">5.&nbsp;&nbsp;&nbsp;&nbsp; <FONT STYLE="font-variant: small-caps"><U>Contractual Settlement Services
</U></FONT><U>(<FONT STYLE="font-variant: small-caps">Purchase </FONT>/ <FONT STYLE="font-variant: small-caps">Sales</FONT>)</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">5.1 The Custodian shall, in accordance with the terms set out in this section, debit or credit the
appropriate cash account of each Portfolio in connection with (i) the purchase of securities for such Portfolio, and (ii) proceeds of
the sale of securities held on behalf of such Portfolio, on a contractual settlement basis.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">5.2 The services described above (the &ldquo;<B><I>Contractual Settlement Services</I></B>&rdquo;)
shall be provided for such instruments and in such markets as the Custodian may advise from time to time. The Custodian may terminate
or suspend any part of the provision of the Contractual Settlement Services under this Agreement at its sole discretion immediately upon
notice to the applicable Fund on behalf of each Portfolio, including, without limitation, in the event of force majeure events affecting
settlement, any disorder in markets, or other changed external business circumstances affecting the markets or the Fund.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">5.3 The consideration payable in connection with a purchase transaction shall be debited from the
appropriate cash account of the Portfolio as of the time and date that monies would ordinarily be required to settle such transaction
in the applicable market. The Custodian shall promptly recredit such amount at the time that the Portfolio or the Fund notifies the Custodian
by Proper Instruction that such transaction has been canceled.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">5.4 With respect to the settlement of a sale of securities, a provisional credit of an amount equal
to the net sale price for the transaction (the &ldquo;<B><I>Settlement Amount</I></B>&rdquo;) shall be made to the account of the Portfolio
as if the Settlement Amount had been received as of the close of business on the date that monies would ordinarily be available in good
funds in the applicable market. Such provisional credit will be made conditional upon the Custodian having received Proper Instructions
with respect to, or reasonable notice of, the transaction, as applicable; and the Custodian or its agents having possession of the asset(s)
(which shall exclude assets subject to any third party lending arrangement entered into by a Portfolio) associated with the transaction
in good deliverable form and not being aware of any facts which would lead them to believe that the transaction will not settle in the
time period ordinarily applicable to such transactions in the applicable market.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">5.5. Simultaneously with the making of such provisional credit, the Portfolio agrees that the Custodian
shall have, and hereby grants to the Custodian, a security interest in any property at any time held for the account of the Portfolio
to the full extent of the credited amount, and each Portfolio hereby pledges, assigns and grants to the Custodian a continuing security
interest and a lien on any and all such property under the Custodian&rsquo;s possession, in accordance with the terms of this Agreement.
In the event that the applicable Portfolio fails to promptly repay any provisional credit, the Custodian shall have all of the rights
and remedies of a secured party under the Uniform Commercial Code of The Commonwealth of Massachusetts.</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">5.6 The Custodian shall have the right to reverse any provisional credit or debit given in connection
with the Contractual Settlement Services at any time when the Custodian believes, in its reasonable judgment, that such transaction will
not settle in accordance with its terms or amounts due pursuant thereto, will not be collectable or where the Custodian has not been
provided Proper Instructions with respect thereto, as applicable, and the Portfolio shall be responsible for any costs or liabilities
resulting from such reversal. Upon such reversal, a sum equal to the credited or debited amount shall become immediately payable by the
Portfolio to the Custodian and may be debited from any cash account held for benefit of the Portfolio.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">5.7 In the event that the Custodian is unable to debit an account of the Portfolio, and the Portfolio
fails to pay any amount due to the Custodian at the time such amount becomes payable in accordance with this Agreement, (i) the Custodian
may charge the Portfolio for costs and expenses associated with providing the provisional credit, including without limitation the cost
of funds associated therewith, (ii) the amount of any accrued dividends, interest and other distributions with respect to assets associated
with such transaction may be set off against the credited amount, (iii) the provisional credit and any such costs and expenses shall
be considered an advance of cash for purposes of the Agreement and (iv) the Custodian shall have the right to setoff against any property
and to sell, exchange, convey, transfer or otherwise dispose of any property at any time held for the account of the Portfolio to the
full extent necessary for the Custodian to make itself whole.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">6.&nbsp;&nbsp; &nbsp;<FONT STYLE="font-variant: small-caps"><U>Loan Servicing Provisions</U></FONT></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">6.1 <FONT STYLE="font-variant: small-caps"><U>General</U></FONT><U>.</U> The following provisions
shall apply with respect to investments, property or assets in the nature of loans, or interests or participations in loans, including
without limitation interests in syndicated bank loans and bank loan participations, whether in the <FONT STYLE="font-variant: small-caps">U</FONT>.<FONT STYLE="font-variant: small-caps">S</FONT>.
or outside the <FONT STYLE="font-variant: small-caps">U</FONT>.<FONT STYLE="font-variant: small-caps">S</FONT>. (collectively, &ldquo;<B>Loans</B>&rdquo;)
entered into by a Fund on behalf of one or more of its Portfolios (referred to in this Section 5 as the &ldquo;Fund&rdquo;).</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">6.2 <FONT STYLE="font-variant: small-caps"><U>Safekeeping</U></FONT>. Instruments, certificates,
agreements and/or other documents which the Custodian may receive with respect to Loans, if any (collectively &ldquo;<B>Financing Documents</B>&rdquo;),
from time to time, shall be held by the Custodian at its offices in Boston, Massachusetts.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">6.3 <FONT STYLE="font-variant: small-caps"><U>Duties of the Custodian</U></FONT>. The Custodian
shall accept such Financing Documents, if any, with respect to Loans as may be delivered to it from time to time by the Fund. The Custodian
shall be under no obligation to examine the contents or determine the sufficiency of any such Financing Documents or to provide any certification
with respect thereto, whether received by the Custodian as original documents, photocopies, by facsimile or otherwise. Without limiting
the foregoing, the Custodian is under no duty to examine any such Financing Documents to determine whether necessary steps have been
taken or requirements met with respect to the assignment or transfer of the related Loan or applicable interest or participation in such
Loan. The Custodian shall be entitled to assume the genuineness, sufficiency and completeness of any Financing Documents received, and
the genuineness and due authority of any signature appearing on such documents. Notwithstanding any term of this Agreement to the contrary,
with respect to any Loans, (i) the Custodian shall be under no obligation to determine, and shall have no liability for, the sufficiency
of, or to require delivery of, any instrument, document or agreement constituting, evidencing or representing such Loan, other than to
receive such Financing Documents, if any, as may be delivered or caused to be delivered to it by the Fund (or its investment manager
acting on its behalf), (ii) without limiting the generality of the foregoing, delivery of any such Loan (including without limitation,
for purposes of Section 2.6 above) may be made to the Custodian by, and may be represented solely by, delivery to the Custodian of a
facsimile or photocopy of an assignment agreement (an &ldquo;<B>Assignment Agreement</B>&rdquo;) or a confirmation or certification from
the Fund (or the investment manager) to the effect that it has acquired such Loan and/or has received or will receive, and will deliver
to the Custodian,</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">appropriate
Financing Documents constituting, evidencing or representing such Loan (such confirmation or certification, together with any Assignment
Agreement, collectively, an &ldquo;<B>Assignment Agreement or Confirmation</B>&rdquo;), in any case without delivery of any promissory
note, participation certificate or similar instrument (collectively, an &ldquo;<B>Instrument</B>&rdquo;), (iii) if an original Instrument
shall be or shall become available with respect to any such Loan, it shall be the sole responsibility of the Fund (or the investment
manager acting on its behalf) to make or cause delivery thereof to the Custodian, and the Custodian shall be under no obligation at any
time or times to determine whether any such original Instrument has been issued or made available with respect to such Loan, and shall
not be under any obligation to compel compliance by the Fund to make or cause delivery of such Instrument to the Custodian, and (iv)
any reference to Financing Documents appearing in this Section 5 shall be deemed to include, without limitation, any such Instrument
and/or Assignment Agreement or Confirmation.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">If
payments with respect to a Loan (&ldquo;<B>Loan Payment</B>&rdquo;) are not received by the Custodian on the date on which they are due,
as reflected in the Payment Schedule (as such term is defined in Section 5.4 below) of the Loan (&ldquo;<B>Payment Date</B>&rdquo;),
or in the case of interest payments, not received either on a scheduled interest payable date, as reported to the Custodian by the Fund
(or the investment manager acting on its behalf) for the Loan (the &ldquo;<B>Interest Payable Date</B>&rdquo;), or in the amount of their
accrued interest payable, the Custodian shall promptly, but in no event later than one business day after the Payment Date or the Interest
Payable Date, give telephonic notice to the party obligated under the Financing Documents to make such Loan Payment (the &ldquo;<B>Obligor</B>&rdquo;)
of its failure to make timely payment, and (2) if such payment is not received within three business days of its due date, shall notify
the Fund (or the investment manager on its behalf) of such Obligor&rsquo;s failure to make the Loan Payment. The Custodian shall have
no responsibility with respect to the collection of Loan Payments which are past due, other than the duty to notify the Obligor and the
Fund (or the investment manager acting on its behalf) as provided herein.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
Custodian shall have no responsibilities or duties whatsoever under this Agreement, with respect to Loans or the Financing Documents,
except for such responsibilities as are expressly set forth herein. Without limiting the generality of the foregoing, the Custodian shall
have no obligation to preserve any rights against prior parties or to exercise any right or perform any obligation in connection with
the Loans or any Financing Documents (including, without limitation, no obligation to take any action in respect of or upon receipt of
any consent solicitation, notice of default or similar notice received from any bank agent or Obligor, except that the Custodian shall
undertake reasonable efforts to forward any such notice to the Fund or the investment manager acting on its behalf). In case any question
arises as to its duties hereunder, the Custodian may request instructions from the Fund and shall be entitled at all times to refrain
from taking any action unless it has received Proper Instructions from the Fund or the investment manager and the Custodian shall in
all events have no liability, risk or cost for any action taken, with respect to a Loan, pursuant to and in compliance with the Proper
Instructions of such parties.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
Custodian shall be only responsible and accountable for Loan Payments actually received by it and identified as for the account of the
Fund; any and all credits and payments credited to the Fund, with respect to Loans, shall be conditional upon clearance and actual receipt
by the Custodian of final payment thereon.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
Custodian shall promptly, upon the Fund&rsquo;s request, release to the Fund&rsquo;s investment manager or to any party as the Fund or
the Fund&rsquo;s investment manager may specify, any Financing Documents being held on behalf of the Fund. Without limiting the foregoing,
the Custodian shall not be deemed to have or be charged with knowledge of the sale of any Loan, unless and except to the extent it shall
have received written notice and instruction from the Fund (or the investment manager acting on its behalf) with respect thereto, and
except to the extent it shall have received the sale proceeds thereof.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">In no event shall
the Custodian be under any obligation or liability to make any advance of its own funds with respect to any Loan.</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">6.4 <FONT STYLE="font-variant: small-caps"><U>Responsibility of the Fund</U></FONT>. With respect
to each Loan held by the Custodian hereunder in accordance with the provisions hereof, the Fund shall (a) cause the Financing Documents
evidencing such Loan to be delivered to the Custodian; (b) include with such Financing Documents an amortization schedule of payments
(the &ldquo;<B>Payment Schedule</B>&rdquo;) identifying the amount and due dates of scheduled principal payments, the Interest Payable
Date(s) and related payment amount information, and such other information with respect to the related Loan and Financing Documents as
the Custodian reasonably may require in order to perform its services hereunder (collectively, &ldquo;<B>Loan Information</B>&rdquo;),
in such form and format as the Custodian reasonably may require; (c) take, or cause the investment manager to take, all actions necessary
to acquire good title to such Loan (or the participation in such Loan, as the case may be), as and to the extent intended to be acquired;
and (d) cause the Custodian to be named as its nominee for payment purposes under the Financing Documents or otherwise provide for the
direct payment of the Payments to the Custodian. The Custodian shall be entitled to rely upon the Loan Information provided to it by
the Fund (or the investment manager acting on its behalf) without any obligation on the part of the Custodian independently to verify,
investigate, recalculate, update or otherwise confirm the accuracy or completeness thereof; and the Custodian shall have no liability
for any delay or failure on the part of the Fund in providing necessary Loan Information to the Custodian, or for any inaccuracy therein
or incompleteness thereof. With respect to each such Loan, the Custodian shall be entitled to rely on any information and notices it
may receive from time to time from the related bank agent, Obligor or similar party with respect to the related Loan, and shall be entitled
to update its records on the basis of such information or notices received, without any obligation on its part independently to verify,
investigate or recalculate such information.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">6.5 <FONT STYLE="font-variant: small-caps"><U>Instructions</U></FONT><U>; <FONT STYLE="font-variant: small-caps">Authority
to Act</FONT></U>. The certificate of the Secretary or an Assistant Secretary of the Fund&rsquo;s Board of Directors, identifying certain
individuals to be officers of the Fund or employees of the Fund&rsquo;s investment manager authorized to sign any such instructions,
may be received and accepted as conclusive evidence of the incumbency and authority of such to act and may be considered by the Custodian
to be in full force and effect until it receives written notice to the contrary from the Secretary or Assistant Secretary of the Fund&rsquo;s
Board. Notwithstanding any other provision of this Agreement, the Custodian shall have no responsibility to ensure that any investment
by the Fund with respect to Loans has been authorized.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">6.6 <FONT STYLE="font-variant: small-caps"><U>Attachment</U></FONT><U>.</U> In case any portion
of the Loans or the Financing Documents shall be attached or levied upon pursuant to an order of court, or the delivery or disbursement
thereof shall be stayed or enjoined by an order of court, or any other order, judgment or decrees shall be made or entered by any court
affecting the property of the Fund or any act of the Custodian relating thereto, the Custodian is hereby expressly authorized in its
sole discretion to obey and comply with all orders, judgments or decrees so entered or issued, without the necessity of inquire whether
such court had jurisdiction, and, in case the Custodian obeys or complied with any such order, judgment or decree, it shall not be liable
to anyone by reason of such compliance.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">7.&nbsp;&nbsp;&nbsp; <FONT STYLE="font-variant: small-caps"><U>Special Sub</U></FONT><U>-<FONT STYLE="font-variant: small-caps">Custodians</FONT></U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">Upon
receipt of Special Instructions (as such term is defined in Section 9 hereof), the Custodian shall, on behalf of one or more Portfolios,
appoint one or more banks, trust companies or other entities designated in such Special Instructions to act as a sub-custodian for the
purposes of effecting such transaction(s) as may be designated by a Fund in Special Instructions. Each such designated sub-custodian
is referred to herein as a &ldquo;<B><I>Special Sub-Custodian</I></B>.&rdquo; Each such duly appointed Special Sub-Custodian shall be
listed on Schedule <FONT STYLE="font-variant: small-caps">D </FONT>hereto, as it may be amended from time to time by a Fund, with the
acknowledgment of the Custodian. In connection with the appointment of any Special Sub-Custodian, and in accordance with Special Instructions,</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 1.45pt 0 0.25pt; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">the
Custodian shall enter into a sub-custodian agreement with the Fund and the Special Sub-Custodian in form and substance approved by such
Fund, provided that such agreement shall in all events comply with the provisions of the 1940 Act and the rules and regulations thereunder
and the terms and provisions of this Agreement.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 1.45pt 0 0.25pt; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.95pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">8.&nbsp;&nbsp; &nbsp;<FONT STYLE="font-variant: small-caps"><U>Payments for Sales or Repurchases
or Redemptions of Shares</U></FONT></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.95pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 1.2pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
Custodian shall receive from the distributor of the Shares or from the Transfer Agent and deposit into the account of the appropriate
Portfolio such payments as are received for Shares thereof issued or sold from time to time by the applicable Fund. The Custodian will
provide timely notification to such Fund on behalf of each such Portfolio and the Transfer Agent of any receipt by it of payments for
Shares of such Portfolio.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 1.2pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">From
such funds as may be available for the purpose, the Custodian shall, upon receipt of instructions from the Transfer Agent, make funds
available for payment to holders of Shares who have delivered to the Transfer Agent a request for redemption or repurchase of their Shares.
In connection with the redemption or repurchase of Shares, the Custodian is authorized upon receipt of instructions from the Transfer
Agent to wire funds to or through a commercial bank designated by the redeeming shareholders. In connection with the redemption or repurchase
of Shares, the Custodian shall honor checks drawn on the Custodian by a holder of Shares, which checks have been furnished by a Fund
to the holder of Shares, when presented to the Custodian in accordance with such procedures and controls as are mutually agreed upon
from time to time between such Fund and the Custodian.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.95pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">9.&nbsp;&nbsp;&nbsp;&nbsp; <FONT STYLE="font-variant: small-caps"><U>Proper Instructions and Special
Instructions</U></FONT></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.95pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.95pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt"><B><I>&ldquo;Proper
Instructions</I></B><I>,<B>&rdquo; </B></I>which may also be standing instructions, as such term is used throughout this Agreement shall
mean instructions received by the Custodian from a Fund, a Fund&rsquo;s duly authorized investment manager or investment adviser, or
a person or entity duly authorized by either of them. Such instructions may be in writing signed by the authorized person or persons
or may be in a tested communication or in a communication utilizing access codes effected between electro-mechanical or electronic devices
or may be by such other means and utilizing such intermediary systems and utilities as may be agreed from time to time by the Custodian
and the person(s) or entity giving such instruction, provided that the Fund has followed any security procedures agreed to from time
to time by the applicable Fund and the Custodian including, but not limited to, the security procedures selected by the Fund via the
form of Funds Transfer Addendum hereto. Oral instructions will be considered Proper Instructions if the Custodian reasonably believes
them to have been given by a person authorized to provide such instructions with respect to the transaction involved; the Fund shall
cause all oral instructions to be confirmed in writing. For purposes of this Section, Proper Instructions shall include instructions
received by the Custodian pursuant to any multi-party agreement which requires a segregated asset account in accordance with Section
2.9 hereof.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.95pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.95pt 0 0.5pt; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt"><B><I>&ldquo;Special
Instructions&rdquo; </I></B>as such term is used throughout this Agreement, means Proper Instructions countersigned or confirmed in writing
by the Treasurer or any Assistant Treasurer of the applicable Fund or any other person designated in writing by the Treasurer of such
Fund, which countersignature or confirmation shall be (a) included on the same instrument containing the Proper Instructions or on a
separate instrument clearly relating thereto and (b) delivered by hand, by facsimile transmission, or in such other manner as the Fund
and the Custodian agree in writing.</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.7pt; background-color: white"><FONT STYLE="font-size: 10pt">Concurrently
with the execution of this Agreement, and from time to time thereafter, as appropriate, each Fund shall deliver to the Custodian, duly
certified by such Fund&rsquo;s Treasurer or Assistant Treasurer, a certificate setting forth: (i) the names, titles, signatures and scope
of authority of all persons authorized to give Proper Instructions or any other notice, request, direction, instruction, certificate
or instrument on behalf of the Fund and (ii) the names, titles and signatures of those persons authorized to give Special Instructions.
Such certificate may be accepted and relied upon by the Custodian as conclusive evidence of the facts set forth therein and shall be
considered to be in full force and effect until receipt by the Custodian of a similar certificate to the contrary.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.7pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT STYLE="font-variant: small-caps"><U>Evidence of Authority</U></FONT></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
Custodian shall be protected in acting upon any instructions, notice, request, consent, certificate or other instrument or paper believed
by it to be genuine and to have been properly executed by or on behalf of the applicable Fund. The Custodian may receive and accept a
copy of a resolution certified by the Secretary or an Assistant Secretary of any Fund as conclusive evidence (a) of the authority of
any person to act in accordance with such resolution or (b) of any determination or of any action by the applicable Board as described
in such resolution, and such resolution may be considered as in full force and effect until receipt by the Custodian of written notice
to the contrary.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT STYLE="font-variant: small-caps"><U>Actions Permitted
without Express Authority</U></FONT></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
Custodian may in its discretion, without express authority from the applicable Fund on behalf of each applicable Portfolio:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">1)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">Make
                                            payments to itself or others for minor expenses of handling securities or other similar items
                                            relating to its duties under this Agreement; provided that all such payments shall be accounted
                                            for to the Fund on behalf of the Portfolio;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; background-color: white"><FONT STYLE="font-size: 10pt">2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Surrender
securities in temporary form for securities in definitive form;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">3)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">Endorse
                                            for collection, in the name of the Portfolio, checks, drafts and other negotiable instruments;
                                            and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="font-size: 10pt">4)</FONT></TD><TD STYLE="text-align: justify; padding-right: 0.25pt"><FONT STYLE="font-size: 10pt">In
                                            general, attend to all non-discretionary details in connection with the sale, exchange, substitution,
                                            purchase, transfer and other dealings with the securities and property of the Portfolio except
                                            as otherwise directed by the applicable Board.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 72pt; text-align: justify; text-indent: -36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: -72pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT STYLE="font-variant: small-caps"><U>Duties of Custodian
with Respect to the Books of Account and Calculation of Net Asset Value and Net Income</U></FONT></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-indent: -72pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
Custodian shall cooperate with and supply necessary information to the entity or entities appointed by the applicable Board to keep the
books of account of each Portfolio and/or compute the net asset value per Share of the outstanding Shares or, if directed in writing
to do so by a Fund on behalf of a Portfolio, shall itself keep such books of account and/or compute such net asset value per Share. If
so directed, the Custodian shall also calculate daily the net income of the Portfolio as described in the Prospectus and shall advise
the Fund and the Transfer Agent daily of the total amounts of such net income and, if instructed in writing by an officer of the Fund
to do so, shall advise the Transfer Agent periodically of the division of such net income among its</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">various
components. Each Fund acknowledges and agrees that, with respect to investments maintained with the Underlying Transfer Agent, the Underlying
Transfer Agent is the sole source of information on the number of shares of a fund held by it on behalf of a Portfolio and that the Custodian
has the right to rely on holdings information furnished by the Underlying Transfer Agent to the Custodian in performing its duties under
this Agreement, including without limitation, the duties set forth in this Section 12 and in Section 13 hereof; provided, however, that
the Custodian shall be obligated to reconcile information as to purchases and sales of Underlying Shares contained in trade instructions
and confirmations received by the Custodian and to report promptly any discrepancies to the Underlying Transfer Agent. The calculations
of the net asset value per Share and the daily income of each Portfolio shall be made at the time or times described from time to time
in the Prospectus. Each Fund acknowledges that, in keeping the books of account of the Portfolio and/or making the calculations described
herein with respect to Portfolio property released and delivered pursuant to Section 2.2(14), or purchased pursuant to Section 2.6(7)
hereof, the Custodian is authorized and instructed to rely upon information provided to it by the Fund, the Fund&rsquo;s counterparty(ies),
or the agents of either of them.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">13.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT STYLE="font-variant: small-caps"><U>Records</U></FONT></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
Custodian shall with respect to each Portfolio create and maintain all records relating to its activities and obligations under this
Agreement in such manner as will meet the obligations of each Fund under the 1940 Act, with particular attention to section 31 thereof
and Rules 31a-1 and 31a-2 thereunder. All such records shall be the property of the Fund and shall at all times during the regular business
hours of the Custodian be open for inspection by duly authorized officers, employees or agents of such Fund and employees and agents
of the <FONT STYLE="font-variant: small-caps">SEC</FONT>. The Custodian shall, at a Fund&rsquo;s request, supply the Fund with a tabulation
of securities owned by each Portfolio and held by the Custodian and shall, when requested to do so by the Fund and for such compensation
as shall be agreed upon between the Fund and the Custodian, include certificate numbers in such tabulations. Each Fund acknowledges that,
in creating and maintaining the records as set forth herein with respect to Portfolio property released and delivered pursuant to Section
2.2(14), or purchased pursuant to Section 2.6(7) hereof, the Custodian is authorized and instructed to rely upon information provided
to it by the Fund, the Fund&rsquo;s counterparty(ies), or the agents of either of them.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">14.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT STYLE="font-variant: small-caps"><U>Opinion of Fund</U></FONT><U>&rsquo;<FONT STYLE="font-variant: small-caps">s
Independent Accountant</FONT></U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
Custodian shall take all reasonable action, as a Fund with respect to a Portfolio may from time to time request, to obtain from year
to year favorable opinions from the Fund&rsquo;s independent accountants with respect to its activities hereunder in connection with
the preparation of the Fund&rsquo;s Form <FONT STYLE="font-variant: small-caps">N</FONT>-1<FONT STYLE="font-variant: small-caps">A </FONT>or
Form <FONT STYLE="font-variant: small-caps">N</FONT>-2, as applicable, and Form <FONT STYLE="font-variant: small-caps">N</FONT>-<FONT STYLE="font-variant: small-caps">SAR
</FONT>or other annual reports to the <FONT STYLE="font-variant: small-caps">SEC </FONT>and with respect to any other requirements thereof.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">15.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT STYLE="font-variant: small-caps"><U>Reports to Fund by Independent
Public Accountants</U></FONT></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
Custodian shall provide the applicable Fund, on behalf of each of the Portfolios at such times as such Fund may reasonably require, with
reports by independent public accountants on the accounting system, internal accounting control and procedures for safeguarding securities,
futures contracts and options on futures contracts, including securities deposited and/or maintained in a <FONT STYLE="font-variant: small-caps">U</FONT>.<FONT STYLE="font-variant: small-caps">S</FONT>.
Securities System or a Foreign Securities System (either, a &ldquo;<B><I>Securities System</I></B>&rdquo;), relating to the services
provided by the Custodian under this Agreement; such reports, shall be of sufficient scope and in sufficient detail, as may reasonably
be required by the Fund to provide reasonable assurance that any material inadequacies would be disclosed by such examination, and, if
there are no such inadequacies, the reports shall so state.</FONT></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">16.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT STYLE="font-variant: small-caps"><U>Compensation of Custodian</U></FONT></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
Custodian shall be entitled to reasonable compensation for its services and expenses as Custodian, as agreed upon from time to time between
each Fund on behalf of each applicable Portfolio and the Custodian.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">17.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT STYLE="font-variant: small-caps"><U>Responsibility of Custodian</U></FONT></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">So
long as and to the extent that it is in the exercise of reasonable care, the Custodian shall not be responsible for the title, validity
or genuineness of any property or evidence of title thereto received by it or delivered by it pursuant to this Agreement and shall be
held harmless in acting upon any notice, request, consent, certificate or other instrument reasonably believed by it to be genuine and
to be signed by the proper party or parties, including any futures commission merchant acting pursuant to the terms of a three-party
futures or options agreement. The Custodian shall be held to the exercise of reasonable care in carrying out the provisions of this Agreement,
but shall be kept indemnified by and shall be without liability to any Fund for any action taken or omitted by it in good faith without
negligence, including, without limitation, acting in accordance with any Proper Instruction. It shall be entitled to rely on and may
act upon advice of counsel (who may be counsel for the Fund) on all matters, and shall be without liability for any action reasonably
taken or omitted pursuant to such advice. The Custodian shall be without liability to any Fund or Portfolio for any loss, liability,
claim or expense resulting from or caused by anything which is part of Country Risk (as defined in Section 3 hereof), including without
limitation nationalization, expropriation, currency restrictions, or acts of war, revolution, riots or terrorism.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">Except
as may arise from the Custodian&rsquo;s own negligence or willful misconduct or the negligence or willful misconduct of a sub-custodian
or agent, the Custodian shall be without liability to any Fund for any loss, liability, claim or expense resulting from or caused by;
(i) events or circumstances beyond the reasonable control of the Custodian or any sub-custodian or Securities System or any agent or
nominee of any of the foregoing, including, without limitation, the interruption, suspension or restriction of trading on or the closure
of any securities market, power or other mechanical or technological failures or interruptions, computer viruses or communications disruptions,
work stoppages, natural disasters, or other similar events or acts; (ii) errors by any Fund or its duly authorized investment manager
or investment adviser in their instructions to the Custodian provided such instructions have been in accordance with this Agreement;
(iii) the insolvency of or acts or omissions by a Securities System; (iv) any act or omission of a Special Sub-Custodian including, without
limitation, reliance on reports prepared by a Special Sub-Custodian; (v) any delay or failure of any broker, agent or intermediary, central
bank or other commercially prevalent payment or clearing system to deliver to the Custodian&rsquo;s sub-custodian or agent securities
purchased or in the remittance or payment made in connection with securities sold; (vi) any delay or failure of any company, corporation,
or other body in charge of registering or transferring securities in the name of the Custodian, any Fund, the Custodian&rsquo;s sub-custodians,
nominees or agents or any consequential losses arising out of such delay or failure to transfer such securities including non-receipt
of bonus, dividends and rights and other accretions or benefits; (vii) delays or inability to perform its duties due to any disorder
in market infrastructure with respect to any particular security or Securities System; and (viii) any provision of any present or future
law or regulation or order of the United States of America, or any state thereof, or any other country, or political subdivision thereof
or of any court of competent jurisdiction.</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
Custodian shall be liable for the acts or omissions of a Foreign Sub-Custodian (as such term is defined in Section 4 hereof) to the same
extent as set forth with respect to sub-custodians generally in this Agreement.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">If
a Fund on behalf of a Portfolio requires the Custodian to take any action with respect to securities, which action involves the payment
of money or which action may, in the opinion of the Custodian, result in the Custodian or its nominee assigned to the Fund or the Portfolio
being liable for the payment of money or incurring liability of some other form, such Fund on behalf of the Portfolio, as a prerequisite
to requiring the Custodian to take such action, shall provide indemnity to the Custodian in an amount and form satisfactory to it.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">If
a Fund requires the Custodian, its affiliates, subsidiaries or agents, to advance cash or securities for any purpose (including but not
limited to securities settlements, foreign exchange contracts and assumed settlement) or in the event that the Custodian or its nominee
shall incur or be assessed any taxes, charges, expenses, assessments, claims or liabilities in connection with the performance of this
Agreement, except such as may arise from its or its nominee&rsquo;s own negligent action, negligent failure to act or willful misconduct,
any property at any time held for the account of the applicable Portfolio shall be security therefor and should the Fund fail to repay
the Custodian promptly, the Custodian shall be entitled to utilize available cash and to dispose of such Portfolio&rsquo;s assets to
the extent necessary to obtain reimbursement.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">Except
as may arise from the Custodian&rsquo;s own negligence or willful misconduct, each Fund shall indemnify and hold the Custodian harmless
from and against any and all costs, expenses, losses, damages, charges, counsel fees, payments and liabilities which may be asserted
against the Custodian (a) acting in accordance with any Proper Instruction or Special Instruction including, without limitation, any
Proper Instruction with respect to Free Trades including, but not limited to, cost, expense, loss, damage, liability, tax, charge, assessment
or claim resulting from (i) the failure of the applicable Fund to receive income with respect to purchased investments, (ii) the failure
of the applicable Fund to recover amounts invested on maturity of purchased investments, (iii) the failure of the Custodian to respond
to or be aware of notices or other corporate communications with respect to purchased investments, or (iv) the Custodian&rsquo;s reliance
upon information provided by the applicable Fund, such Fund&rsquo;s counterparty(ies) or the agents of either of them with respect to
Fund property released, delivered or purchased pursuant to either of Section 2.2(14) or Section 2.6(7) hereof; (b) for the acts or omissions
of any Special Sub-Custodian; or (c) for the acts or omissions of any Local Agent or Pledgee.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">In
the event of equipment failure, work stoppage, governmental action, communication disruption or other impossibility of performance beyond
the Custodian&rsquo;s control, the Custodian shall take reasonable steps to minimize service interruptions. The Custodian shall enter
into and shall maintain in effect, at all times during the term of this Agreement, with appropriate parties one or more agreements making
reasonable provision for (i) periodic back-up of the computer files and data with respect to the Funds; and (ii) emergency use of electronic
data processing equipment to provide services under this Agreement. Upon reasonable request, the Custodian shall discuss with senior
management of the Funds such disaster recovery plan and/or provide a high-level presentation summarizing such plan.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">In no event shall
the Custodian be liable for indirect, special or consequential damages.</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">18.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT STYLE="font-variant: small-caps"><U>Effective Period</U></FONT><U>,
<FONT STYLE="font-variant: small-caps">Termination and Amendment</FONT></U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">This
Agreement shall become effective as of its execution, shall continue in full force and effect until terminated as hereinafter provided,
may be amended at any time by mutual agreement of the parties hereto and may be terminated by either party by an instrument in writing
delivered or mailed, postage prepaid to the other party, such termination to take effect not sooner than sixty (60) days or, in the exercise
of the sole discretion of the Funds, no later than ninety (90) days after the date of such delivery or mailing; provided, however, that
no Fund shall amend or terminate this Agreement in contravention of any applicable federal or state regulations, or any provision of
such Fund&rsquo;s Governing Documents, and further provided, that any Fund on behalf of one or more of the Portfolios may at any time
by action of its Board (i) substitute another bank or trust company for the Custodian by giving notice as described above to the Custodian,
or (ii) immediately terminate this Agreement in the event of the appointment of a conservator or receiver for the Custodian by the Comptroller
of the Currency or upon the happening of a like event at the direction of an appropriate regulatory agency or court of competent jurisdiction.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">Termination
of this Agreement with respect to any one particular Fund or Portfolio shall in no way affect the rights and duties under this Agreement
with respect to any other Fund or Portfolio.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">Upon
termination of the Agreement, the applicable Fund on behalf of each applicable Portfolio shall pay to the Custodian such compensation
as may be due as of the date of such termination and shall likewise reimburse the Custodian for its costs, expenses and disbursements.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">19.&nbsp;&nbsp;&nbsp;&nbsp; <FONT STYLE="font-variant: small-caps"><U>Successor Custodian</U></FONT></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">If
a successor custodian for one or more Portfolios shall be appointed by the applicable Board, the Custodian shall, upon termination and
receipt of Proper Instructions, deliver to such successor custodian at the office of the Custodian, duly endorsed and in the form for
transfer, all securities of each applicable Portfolio then held by it hereunder and shall transfer to an account of the successor custodian
all of the securities of each such Portfolio held in a Securities System or at the Underlying Transfer Agent. Custodian shall also provide
to the successor custodian a Fund&rsquo;s records (as described in Section 13 of this Agreement) as reasonably requested by the Fund.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">If
no such successor custodian shall be appointed, the Custodian shall, in like manner, upon receipt of Proper Instructions, deliver at
the office of the Custodian and transfer such securities, funds and other properties in accordance with such resolution.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">In
the event that no Proper Instructions designating a successor custodian or alternative arrangements shall have been delivered to the
Custodian on or before the date when such termination shall become effective, then the Custodian shall have the right to deliver to a
bank or trust company, which is a &ldquo;bank&rdquo; as defined in the 1940 Act, doing business in Boston, Massachusetts or New York,
New York, of its own selection, having an aggregate capital, surplus, and undivided profits, as shown by its last published report, of
not less than $25,000,000, all securities, funds and other properties held by the Custodian on behalf of each applicable Portfolio and
all instruments held by the Custodian relative thereto and all other property held by it under this Agreement on behalf of each applicable
Portfolio, and to transfer to an account of such successor custodian all of the securities of each such Portfolio held in any Securities
System or at the Underlying Transfer Agent. Thereafter, such bank or trust company shall be the successor of the Custodian under this
Agreement.</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">In
the event that securities, funds and other properties remain in the possession of the Custodian after the date of termination hereof
owing to failure of any Fund to provide Proper Instructions as aforesaid, the Custodian shall be entitled to fair compensation for its
services during such period as the Custodian retains possession of such securities, funds and other properties and the provisions of
this Agreement relating to the duties and obligations of the Custodian shall remain in full force and effect.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">20.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT STYLE="font-variant: small-caps"><U>Audit Rights</U></FONT><U>;
<FONT STYLE="font-variant: small-caps">Additional Sub</FONT>-<FONT STYLE="font-variant: small-caps">Certifications and Reports</FONT></U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">20.1 <FONT STYLE="font-variant: small-caps"><U>Audit Rights</U></FONT>. To the extent required by
applicable law, rule or regulation and upon request of a Fund (which shall include reasonable advance notice), the Custodian shall allow
such Fund&rsquo;s regulators or supervisory authorities to perform periodic on-site audits as may be reasonably required to examine the
Custodian&rsquo;s performance of the services contemplated by this Agreement (the &ldquo;<B><I>Services</I></B>&rdquo;). Notwithstanding
the foregoing, prior to the performance of any audits of the Custodian&rsquo;s performance of the Services, the Fund will request that
such regulator or supervisory authority to the extent possible shall coordinate such audit through the Custodian&rsquo;s primary regulator,
the United States Federal Reserve Bank of Boston. Nothing contained in this section shall obligate the Custodian to provide access to
or otherwise disclose: (i) any information that is unrelated to the relevant Fund and the provision of the Services to such Fund; (ii)
any information that is treated as confidential under the Custodian&rsquo;s corporate policies, including, without limitation, internal
audit reports, compliance or risk management plans or reports, work papers and other reports and information relating to management functions;
or (iii) any other documents, reports or other information that the Custodian is obligated to maintain in confidence as a matter of law
or regulation. In addition, any access provided hereunder to technology shall be limited to a demonstration by the Custodian of the functionality
thereof and a reasonable opportunity to communicate with the Custodian&rsquo;s personnel regarding such technology.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">20.2 <FONT STYLE="font-variant: small-caps"><U>Additional Sub</U></FONT><U>-<FONT STYLE="font-variant: small-caps">Certifications
and Reports</FONT></U>. The Custodian shall provide to the Funds: (a) sub-certifications in connection with Sarbanes-Oxley Act of 2002
certification requirements; and (b) periodic reports and reasonable documentation for delivery to the Funds&rsquo; Chief Compliance Officer
in connection with Rule 38a-1 under the 1940 Act with respect to the Services and the Custodian&rsquo;s compliance with its operating
policies and procedures related thereto.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">21.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT STYLE="font-variant: small-caps"><U>Confidentiality</U></FONT><U>;
<FONT STYLE="font-variant: small-caps">Information Security</FONT></U>.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 35.3pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">21.1 <FONT STYLE="font-variant: small-caps"><U>Confidentiality</U></FONT>. The parties hereto agree
that each shall treat confidentially all information provided by each party to the other party regarding its business and operations.
All confidential information provided by a party hereto shall be used by any other party hereto solely for the purpose of rendering or
receiving services pursuant to this Agreement and, except as may be required in carrying out this Agreement, shall not be disclosed to
any third party.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 35.3pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
foregoing shall not be applicable to any information (i) that is publicly available when provided or thereafter becomes publicly available,
other than through a breach of this Agreement, or that is independently derived by any party hereto without the use of any information
provided by the other party hereto in connection with this Agreement, (ii) that is required in any legal or regulatory proceeding, investigation,
audit, examination, subpoena, civil investigative demand or other similar process, or by operation of law or regulation, or (iii) where
the party seeking to disclose has received the prior written consent of the party providing the information, which consent shall not
be unreasonably withheld. Furthermore, and notwithstanding anything in this Section to the contrary, the Custodian may aggregate Fund
or Portfolio data</FONT></P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">with
similar data of other customers of the Custodian (&ldquo;<B><I>Aggregated Data</I></B>&rdquo;) and may use Aggregated Data for purposes
of constructing statistical models so long as such Aggregated Data represents a sufficiently large sample that no Fund or Portfolio data
can be identified either directly or by inference or implication.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
undertakings and obligations contained in this Section 21.1 shall survive the termination or expiration of this Agreement for a period
of three (3) years.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">21.2 <FONT STYLE="font-variant: small-caps"><U>Information Security</U></FONT>. The Custodian has
implemented information security controls and procedures reasonably designed to protect the information and data owned and/or used by
the Custodian applicable to a Fund. Upon reasonable request, the Custodian shall discuss with senior management of the Funds such controls
and procedures and/or provide a high-level presentation summarizing such controls and procedures.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">22.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT STYLE="font-variant: small-caps"><U>General</U></FONT></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">22.1 <FONT STYLE="font-variant: small-caps"><U>Massachusetts Law to Apply</U></FONT>. This Agreement
shall be construed and the provisions thereof interpreted under and in accordance with laws of The Commonwealth of Massachusetts.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">22.2 <FONT STYLE="font-variant: small-caps"><U>Prior Agreements</U></FONT>. This Agreement supersedes
and terminates, as of the date hereof, all prior Agreements between each Fund on behalf of each of the Portfolios and the Custodian relating
to the custody of such Fund&rsquo;s assets.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">22.3 <FONT STYLE="font-variant: small-caps"><U>Assignment</U></FONT>. This Agreement may not be
assigned by (a) any Fund without the written consent of the Custodian or (b) by the Custodian without the written consent of each applicable
Fund.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">22.4 <FONT STYLE="font-variant: small-caps"><U>Interpretive and Additional Provisions</U></FONT><U>.
</U>In connection with the operation of this Agreement, the Custodian and each Fund on behalf of each of the Portfolios, may from time
to time agree on such provisions interpretive of or in addition to the provisions of this Agreement as may in their joint opinion be
consistent with the general tenor of this Agreement. Any such interpretive or additional provisions shall be in a writing signed by all
parties and shall be annexed hereto, provided that no such interpretive or additional provisions shall contravene any applicable federal
or state regulations or any provision of a Fund&rsquo;s Governing Documents. No interpretive or additional provisions made as provided
in the preceding sentence shall be deemed to be an amendment of this Agreement.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">22.5 <FONT STYLE="font-variant: small-caps"><U>Additional Funds</U></FONT>. In the event that any
management investment company in addition to those listed on Appendix <FONT STYLE="font-variant: small-caps">A </FONT>hereto desires
to have the Custodian render services as custodian under the terms hereof, it shall so notify the Custodian in writing, and if the Custodian
agrees in writing to provide such services, such management investment company shall become a Fund hereunder and be bound by all terms
and conditions and provisions hereof including, without limitation, the representations and warranties set forth in Section 22.7 below.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">22.6 <FONT STYLE="font-variant: small-caps"><U>Additional Portfolios</U></FONT>. In the event that
any Fund establishes one or more series of Shares in addition to those set forth on Appendix <FONT STYLE="font-variant: small-caps">A
</FONT>hereto with respect to which it desires to have the Custodian render services as custodian under the terms hereof, it shall so
notify the Custodian in writing, and if the Custodian agrees in writing to provide such services, such series of Shares shall become
a Portfolio hereunder.</FONT></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 35.3pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">22.7 <FONT STYLE="font-variant: small-caps"><U>The Parties</U></FONT><U>; <FONT STYLE="font-variant: small-caps">Representations
and Warranties</FONT>; <FONT STYLE="font-variant: small-caps">Recourse to Funds</FONT></U>. All references herein to the &ldquo;Fund&rdquo;
are to each of the management investment companies listed on Appendix <FONT STYLE="font-variant: small-caps">A</FONT> hereto, and each
management investment company made subject to this Agreement in accordance with Section 22.5 above, individually, as if this Agreement
were between such individual Fund and the Custodian. In the case of a series corporation, trust or other entity, all references herein
to the &ldquo;Portfolio&rdquo; are to the individual series or portfolio of such corporation, trust or other entity, or to such corporation,
trust or other entity on behalf of the individual series or portfolio, as appropriate. Any reference in this Agreement to &ldquo;the
parties&rdquo; shall mean the Custodian and such other individual Fund as to which the matter pertains.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 35.3pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 71.05pt; background-color: white"><FONT STYLE="font-size: 10pt">22.7.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><U>Representations
and Warranties</U></FONT>.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 71.05pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 35.05pt; background-color: white"><FONT STYLE="font-size: 10pt">Each
Fund hereby represents and warrants that (a) it is duly incorporated or organized and is validly existing in good standing in its jurisdiction
of incorporation or organization; (b) it has the requisite power and authority under applicable law and its constituent documents and
its Governing Documents to enter into and perform this Agreement; (c) all requisite proceedings have been taken to authorize it to enter
into and perform this Agreement; (d) this Agreement constitutes its legal, valid, binding and enforceable agreement; (e) its entrance
into this Agreement shall not cause a material breach or be in material conflict with any other agreement or obligation of the Fund or
any law or regulation applicable to it; and (f) its undertakings as set forth in this Agreement comply with applicable provisions of
the 1940 Act and rules promulgated thereunder.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 35.05pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 35.05pt; background-color: white"><FONT STYLE="font-size: 10pt">The
Custodian hereby represents and warrants that (a) it is duly organized and validly existing in its jurisdiction of organization; (b)
it has the requisite power and authority under applicable law to enter into and perform this Agreement; (c) all requisite proceedings
have been taken to authorize it to enter into and perform this Agreement; (d) this Agreement constitutes its legal, valid, binding and
enforceable agreement; and (e) its execution of this Agreement shall not cause a material breach or be in material conflict with any
other agreement or obligation of the Custodian or any law or regulation applicable to it.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 35.05pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 71.3pt; background-color: white"><FONT STYLE="font-size: 10pt">22.7.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><U>Recourse
to the Funds</U></FONT>.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 71.3pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 35.05pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">A
</FONT><FONT STYLE="font-size: 10pt">copy of the Agreement and Declaration of Trust of each Fund that is a Massachusetts business trust
is on file with the Secretary of State of The Commonwealth of Massachusetts. The parties hereto acknowledge and agree that: (i) recourse
with respect to this Agreement and instruments referenced and contemplated hereby is limited to the assets and property of each respective
Fund; and (ii) the obligations of, or arising under, this Agreement are not binding upon any of the trustees, officers or shareholders
of each Fund individually, but are binding only upon the assets and property of each respective Fund.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 35.05pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 35.3pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">22.8 <FONT STYLE="font-variant: small-caps"><U>Remote Access Services Addendum</U></FONT>. The Custodian
and each Fund agree to be bound by the terms of the Remote Access Services Addendum hereto.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 35.3pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">22.9 <FONT STYLE="font-variant: small-caps"><U>Notices</U></FONT>. Any notice, instruction or other
instrument required to be given hereunder may be delivered in person to the offices of the parties as set forth herein during normal
business hours or delivered prepaid registered mail or by telex, cable or telecopy to the parties at the following addresses or such
other addresses as may be notified by any party from time to time.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 39%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">To
    any Fund:</FONT></TD>
    <TD STYLE="width: 61%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">c/o
    <FONT STYLE="font-variant: small-caps">John Hancock</FONT></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">601
                                            Congress Street Boston, </FONT></P>
                                                         <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-variant: small-caps">MA
                                            </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">02110-2805
                                            Attention:</FONT></P>
                                                         <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Charles
                                            <FONT STYLE="font-variant: small-caps">A</FONT>. Rizzo Telephone:</FONT></P>
                                                         <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">617-663-4006
                                            Telecopy: 617-663-2198</FONT></P></TD></TR>
  </TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 39%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">To the Custodian:</FONT></TD>
    <TD STYLE="width: 61%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-variant: small-caps">State Street
    Bank and Trust Company</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Lafayette Corporate Center Two Avenue de Lafayette &ndash;
    <FONT STYLE="font-variant: small-caps">LCC</FONT>/5 Attention: Thomas Forrester, Senior Vice President Telephone: 617-662-7018 Telecopy:</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">Such
notice, instruction or other instrument shall be deemed to have been served in the case of a registered letter at the expiration of five
business days after posting, in the case of cable twenty-four hours after dispatch and, in the case of telex, immediately on dispatch
and if delivered outside normal business hours it shall be deemed to have been received at the next time after delivery when normal business
hours commence and in the case of cable, telex or telecopy on the business day after the receipt thereof. Evidence that the notice was
properly addressed, stamped and put into the post shall be conclusive evidence of posting.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">22.10 <FONT STYLE="font-variant: small-caps"><U>Counterparts</U></FONT>. This Agreement may be executed
in several counterparts, each of which shall be deemed to be an original, and all such counterparts taken together shall constitute one
and the same Agreement.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">22.11 <FONT STYLE="font-variant: small-caps"><U>Severability</U></FONT>. If any provision or provisions
of this Agreement shall be held to be invalid, unlawful or unenforceable, the validity, legality and enforceability of the remaining
provisions shall not in any way be affected or impaired.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 35.3pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section 22.12</FONT>
 <FONT STYLE="font-variant: small-caps"><U>Reproduction of Documents</U></FONT>. This Agreement
and all schedules, addenda, exhibits, appendices, attachments and amendments hereto may be reproduced by any photographic, photostatic,
microfilm, micro-card, miniature photographic or other similar process. The parties hereto all/each agree that any such reproduction
shall be admissible in evidence as the original itself in any judicial or administrative proceeding, whether or not the original is in
existence and whether or not such reproduction was made by a party in the regular course of business, and that any enlargement, facsimile
or further reproduction of such reproduction shall likewise be admissible in evidence.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 35.3pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 35.3pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">Section
</FONT><FONT STYLE="font-size: 10pt">22.13 <FONT STYLE="font-variant: small-caps"><U>Shareholder Communications Election</U></FONT>.
<FONT STYLE="font-variant: small-caps">SEC </FONT>Rule 14b-2 requires banks which hold securities for the account of customers to respond
to requests by issuers of securities for the names, addresses and holdings of beneficial owners of securities of that issuer held by
the bank unless the beneficial owner has expressly objected to disclosure of this information. In order to comply with the rule, the
Custodian needs each Fund to indicate whether it authorizes the Custodian to provide such Fund&rsquo;s name, address, and share position
to requesting companies whose securities the Fund owns. If a Fund tells the Custodian &ldquo;no,&rdquo; the Custodian will not provide
this information to requesting companies. If a Fund tells the Custodian &ldquo;yes&rdquo; or does not check either &ldquo;yes&rdquo;
or &ldquo;no&rdquo; below, the Custodian is required by the rule to treat the Fund as consenting to disclosure of this information for
all securities owned by the Fund or any funds or accounts established by the Fund. For a Fund&rsquo;s protection, the Rule prohibits
the requesting company from using the Fund&rsquo;s name and address for any purpose other than corporate communications. Please indicate
below whether the Fund consents or objects by checking one of the alternatives below.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 35.3pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 35.3pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 10%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-variant: small-caps">YES </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">[
    ]</FONT></TD>
    <TD STYLE="width: 90%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The Custodian is authorized to release
    the Fund&rsquo;s name, address, and share positions.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-variant: small-caps">NO </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">[<FONT STYLE="font-variant: small-caps">X</FONT>]</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The Custodian is not authorized to release the Fund&rsquo;s
    name, address, and share positions.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 108.7pt; background-color: white"><FONT STYLE="font-size: 10pt"><I>[The
remainder of this page intentionally left blank.]</I></FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps"><U>Signature
Page</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 4.1pt; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps">In
</FONT><FONT STYLE="font-size: 10pt">WITNESS WHEREOF, each of the parties has caused this instrument to be executed in its name and behalf
by its duly authorized representative under seal as of the date first above-written.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 4.1pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-variant: small-caps">Fund Signature
    attested to By:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">EACH OF THE ENTITIES SET FORTH ON
    APPENDIX A HERETO</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 35%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/
    Betsy Anne Seel</FONT></TD>
    <TD STYLE="width: 18%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 35%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/
    Gordon Shone</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Betsy Anne Seel</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Gordon Shone</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Assistant Secretary</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Treasurer</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-variant: small-caps">Signature Attested
    to By:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-variant: small-caps">State Street Bank
    and trust company</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/
    A. Elizabeth Howard</FONT></TD>
    <TD STYLE="width: 18%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/
    Joseph C. Antonellis</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Elizabeth Howard</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Joseph C. Antonellis</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Vice President and Senior Counsel</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Vice Chairman</FONT></TD></TR>
  </TABLE>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; text-align: left; background-color: white"><FONT STYLE="font-size: 10pt">Master Custodian
Agreement</FONT></P>




<!-- Field: Page; Sequence: 30 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">Appendix
A</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">to
the</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">Master
Custodian Agreement</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">dated
September 10, 2008</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">between</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">John
Hancock Funds and</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">State
Street Bank and Trust Company</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B><U>JOHN HANCOCK
FUNDS</U></B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B>John Hancock
Bond Trust</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Government
Income Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock High
Yield Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Investment
Grade Bond Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B>John Hancock
California Tax-Free Income Fund</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock California
Tax-Free Income Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B>John Hancock
Capital Series</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Classic
Value Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Classic
Value Fund II</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock International
Classic Value Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Large
Cap Select Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock U.S.
Global Leaders Growth Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B>John Hancock
Current Interest</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Money
Market Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B>John Hancock
Equity Trust</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Small
Cap Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B>John Hancock
Investment Trus</B>t</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Balanced
Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Global
Opportunities Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Large
Cap Equity Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Small
Cap Intrinsic Value Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Sovereign
Investors Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B>John Hancock
Investment Trust II</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Financial
Industries Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Regional
Bank Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Small
Cap Equity Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B>John Hancock
Investment Trust III</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Greater
China Opportunities Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B>John Hancock
Municipal Securities Trust</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 25.2pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt">John
Hancock High Yield Municipal Bond Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; margin-top: 0; margin-bottom: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock
Tax-Free Bond Fund</FONT></P>


<!-- Field: Page; Sequence: 31; Options: NewSection -->
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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">Appendix
A</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt"><B>John
Hancock Series Trust</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 88.3pt 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">John
Hancock Global Real Estate Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 88.3pt 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">John
Hancock Mid Cap Equity Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 88.3pt 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt"><B>John
Hancock Sovereign Bond Fund</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">John
Hancock Bond Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt"><B>John
Hancock Strategic Series</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">John
Hancock Strategic Income Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt"><B>John
Hancock Tax-Exempt Series Fund</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 22.1pt 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">John
Hancock Massachusetts Tax-Free Income Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 22.1pt 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">John
Hancock New York Tax-Free Income Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 22.1pt 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt"><B>John
Hancock World Fund</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">John
Hancock Health Sciences Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt"><B>John
Hancock Closed End Funds</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">John
Hancock Bank and Thrift Opportunity Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">John
Hancock Income Securities Trust</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">John
Hancock Investors Trust</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">John
Hancock Patriot Premium Dividend Fund II</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">John
Hancock Preferred Income Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">John
Hancock Preferred Income Fund II</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">John
Hancock Preferred Income Fund III</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">John
Hancock Tax Advantaged Global Shareholder Yield Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">John
Hancock Tax-Advantaged Dividend Income Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B><U>JOHN HANCOCK
FUNDS III</U></B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Classic
Mega Cap Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Global
Shareholder Yield Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Growth
Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Growth
Opportunities Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock International
Core Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock International
Growth Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Intrinsic
Value Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Leveraged
Companies Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Rainier
Growth Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock US
Core Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock Value
Opportunities Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B>FOF - Index</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">John Hancock International
Allocation Portfolio</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B><U>NON-CUSTODY
ACCOUNTS</U></B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 22.1pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt">John
Hancock Bulk Trading Account</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 22.1pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt">John
Hancock Joint Repo Account</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 172.3pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 21.6pt; background-color: white"><FONT STYLE="font-size: 10pt"><B><U>REMOTE
ACCESS SERVICES ADDENDUM TO MASTER CUSTODIAN AGREEMENT</U></B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 21.6pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">ADDENDUM
to that certain Master Custodian Agreement dated as of September 10, 2008 (the &ldquo;Custodian Agreement&rdquo;) by and among each management
investment company identified on Appendix A thereto or made subject thereto pursuant to Section 22.5 thereof (each, a &ldquo;Customer&rdquo;)
and State Street Bank and Trust Company, including its subsidiaries and affiliates (&ldquo;State Street&rdquo;).</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">State
Street has developed and/or utilizes proprietary or third-party accounting and other systems in conjunction with the services that State
Street provides to the Customer. In this regard, State Street maintains certain information in databases under its ownership and/or control
that it makes available to its customers (the &ldquo;Remote Access Services&rdquo;).</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; text-indent: 36pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><U>The Services</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">State
Street agrees to provide the Customer, and its designated investment advisors, consultants or other third parties who agree to abide
by the terms of this Addendum (&ldquo;Authorized Designees&rdquo;) with access to State Street propriety and third-party systems as may
be offered by State Street from time to time (each, a &ldquo;System&rdquo;) on a remote basis.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><U>Security Procedures</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
Customer agrees to comply, and to cause its Authorized Designees to comply, with remote access operating standards and procedures and
with user identification or other password control requirements and other security devices and procedures as may be issued or required
from time to time by State Street or its third-party vendors for use of the System and access to the Remote Access Services. The Customer
is responsible for any use and/or misuse of the System and Remote Access Services by its Authorized Designees. The Customer agrees to
advise State Street immediately in the event that it learns or has reason to believe that any person to whom it has given access to the
System or the Remote Access Services has violated or intends to violate the terms of this Addendum and the Customer will cooperate with
State Street in seeking injunctive or other equitable relief. The Customer agrees to discontinue use of the System and Remote Access
Services, if requested, for any security reasons cited by State Street and State Street may restrict access of the System and Remote
Access Services by the Customer or any Authorized Designee for security reasons or noncompliance with the terms of this Addendum at any
time.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><U>Fees</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">Fees
and charges for the use of the System and the Remote Access Services and related payment terms shall be as set forth in the fee schedule
in effect from time to time between the parties. The Customer shall be responsible for any tariffs, duties or taxes imposed or levied
by any government or governmental agency by reason of the transactions contemplated by this Addendum, including, without limitation,
federal, state and local taxes, use, value added and personal property taxes (other than income, franchise or similar taxes which may
be imposed or assessed against State Street). Any claimed exemption from such tariffs, duties or taxes shall be supported by proper documentary
evidence delivered to State Street.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><U>Proprietary Information/Injunctive
Relief</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
System and Remote Access Services described herein and the databases, computer programs, screen formats, report formats, interactive
design techniques, formulae, processes, systems, software, know- how, algorithms, programs, training aids, printed materials, methods,
books, records, files, documentation and other information made available to the Customer by State Street as part of the Remote Access
Services and through the use of the System and all copyrights, patents, trade secrets and other proprietary and intellectual property
rights of State Street and third-party vendors related thereto are the exclusive, valuable</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">and
confidential proprietary property of State Street and its relevant licensors and third-party vendors (the &ldquo;Proprietary Information&rdquo;).
The Customer agrees on behalf of itself and its Authorized Designees to keep the Proprietary Information confidential and to limit access
to its employees and Authorized Designees (under a similar duty of confidentiality) who require access to the System for the purposes
intended. The foregoing shall not apply to Proprietary Information in the public domain or required by law to be made public.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
Customer agrees to use the Remote Access Services only in connection with the proper purposes of this Addendum. The Customer will not,
and will cause its employees and Authorized Designees not to, (i) permit any third party to use the System or the Remote Access Services,
(ii) sell, rent, license or otherwise use the System or the Remote Access Services in the operation of a service bureau or for any purpose
other than as expressly authorized under this Addendum, (iii) use the System or the Remote Access Services for any fund, trust or other
investment vehicle without the prior written consent of State Street, or (iv) allow or cause any information transmitted from State Street&rsquo;s
databases, including data from third-party sources, available through use of the System or the Remote Access Services, to be published,
redistributed or retransmitted for other than use for or on behalf of the Customer, as State Street&rsquo;s customer.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
Customer agrees that neither it nor its Authorized Designees will modify the System in any way, enhance, copy or otherwise create derivative
works based upon the System, nor will the Customer or its Authorized Designees reverse engineer, decompile or otherwise attempt to secure
the source code for all or any part of the System.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">The
Customer acknowledges that the disclosure of any Proprietary Information, or of any information which at law or equity ought to remain
confidential, will immediately give rise to continuing irreparable injury to State Street or its third-party licensors and vendors inadequately
compensable in damages at law and that State Street shall be entitled to obtain immediate injunctive relief against the breach or threatened
breach of any of the foregoing undertakings, in addition to any other legal remedies which may be available.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><U>Limited Warranties</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">State
Street represents and warrants that it is the owner of and/or has the right to grant access to the System and to provide the Remote Access
Services contemplated herein. Because of the nature of computer information technology including, but not limited to the use of the Internet,
and the necessity of relying upon third-party sources, and data and pricing information obtained from third parties, the System and Remote
Access Services are provided &ldquo;AS IS&rdquo; without warranty express or implied including as to availability of the System, and
the Customer and its Authorized Designees shall be solely responsible for the use of the System and Remote Access Services and investment
decisions, results obtained, regulatory reports and statements produced using the Remote Access Services. State Street and its relevant
licensors and third-party vendors will not be liable to the Customer or its Authorized Designees for any direct or indirect, special,
incidental, punitive or consequential damages arising out of or in any way connected with the System or the Remote Access Services, nor
shall any party be responsible for delays or nonperformance under this Addendum arising out of any cause or event beyond such party&rsquo;s
control.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">EXCEPT
AS EXPRESSLY SET FORTH IN THIS ADDENDUM, STATE STREET, FOR ITSELF AND ITS RELEVANT LICENSORS AND THIRD-PARTY VENDORS EXPRESSLY DISCLAIMS
ANY AND ALL WARRANTIES CONCERNING THE SYSTEM AND THE SERVICES TO BE RENDERED HEREUNDER, WHETHER EXPRESS OR IMPLIED INCLUDING, WITHOUT
LIMITATION, ANY WARRANTY OF MERCHANTIBILITY OR FITNESS FOR A PARTICULAR PURPOSE.</FONT></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><U>Infringement</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">State
Street will defend or, at its option, settle any claim or action brought against the Customer to the extent that it is based upon an
assertion that access to or use of State Street proprietary systems by the Customer under this Addendum constitutes direct infringement
of any United States patent or copyright or misappropriation of a trade secret, provided that the Customer notifies State Street promptly
in writing of any such claim or proceeding, cooperates with State Street in the defense of such claim or proceeding and allows State
Street sole control over such claim or proceeding. Should the State Street proprietary system or any part thereof become, or in State
Street&rsquo;s opinion be likely to become, the subject of a claim of infringement or the like under any applicable patent, copyright
or trade secret laws, State Street shall have the right, at State Street&rsquo;s sole option, to (i) procure for the Customer the right
to continue using the State Street proprietary system (ii) replace or modify the State Street proprietary system so that the State Street
proprietary system becomes noninfringing, or (iii) terminate this Addendum without further obligation. This section constitutes the sole
remedy to the Customer for the matters described in this section.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><U>Termination</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">Each
party to the Custodian Agreement may terminate this Addendum immediately for failure of any other party to comply with any material term
and condition of the Addendum by giving the other party written notice of termination. This Addendum shall in any event terminate with
and in connection with the termination of the Custodian Agreement. The Customer&rsquo;s use of any third-party System is contingent upon
its compliance with any terms of use of such system imposed by such third party and State Street&rsquo;s continued access to, and use
of, such third-party system. In the event of termination, the Customer will return to State Street all copies of documentation and other
confidential information in its possession or in the possession of its Authorized Designees and immediately cease access to the System
and Remote Access Services. The foregoing provisions with respect to confidentiality and infringement will survive termination for a
period of three (3) years.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><U>Miscellaneous</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">This
Addendum constitutes the entire understanding of the parties to the Custodian Agreement with respect to access to the System and the
Remote Access Services. This Addendum cannot be modified or altered except in a writing duly executed by each of State Street and the
Customer and shall be governed by and construed in accordance with the laws of The Commonwealth of Massachusetts.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0.25pt 0 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">By
its execution of the Custodian Agreement, the Customer: (a) confirms to State Street that it informs all Authorized Designees of the
terms of this Addendum; (b) accepts responsibility for its and its Authorized Designees&rsquo; compliance with the terms of this Addendum;
and (c) indemnifies and holds State Street harmless from and against any and all costs, expenses, losses, damages, charges, counsel fees,
payments and liabilities arising from any failure of the Customer or any of its Authorized Designees to abide by the terms of this Addendum.</FONT></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt"><B><I>F</I></B><I>UNDS
<B>T</B>RANSFER <B>A</B>DDENDUM</I></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 86%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><U>OPERATING GUIDELINES</U></FONT></TD>
    <TD STYLE="vertical-align: top; width: 14%; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><IMG SRC="image_005.jpg" ALT="" STYLE="height: 96px; width: 107px"></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: White"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: black"><IMG SRC="image_005a.jpg" ALT=""></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5pt; background-color: white"><FONT STYLE="font-size: 10pt">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>OBLIGATION
OF THE SENDER</B>: State Street is authorized to promptly debit Client&rsquo;s account(s) upon the receipt of a payment order in compliance
with the selected Security Procedure chosen for funds transfer and in the amount of money that State Street has been instructed to transfer.
State Street shall execute payment orders in compliance with the Security Procedure and with the Client&rsquo;s instructions on the execution
date provided that such payment order is received by the customary deadline for processing such a request, unless the payment order specifies
a later time. All payment orders and communications received after this time will be deemed to have been received on the next business
day.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>SECURITY
PROCEDURE</B>: The Client acknowledges that the Security Procedure it has designated on the Selection Form was selected by the Client
from Security Procedures offered by State Street. The Client agrees that the Security Procedures are reasonable and adequate for its
wire transfer transactions and agrees to be bound by any payment orders, amendments and cancellations, whether or not authorized, issued
in its name and accepted by State Street after being confirmed by any of the selected Security Procedures. The Client also agrees to
be bound by any other valid and authorized payment order accepted by State Street. The Client shall restrict access to confidential information
relating to the Security Procedure to authorized persons as communicated in writing to State Street. The Client must notify State Street
immediately if it has reason to believe unauthorized persons may have obtained access to such information or of any change in the Client&rsquo;s
authorized personnel. State Street shall verify the authenticity of all instructions according to the Security Procedure.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5pt; background-color: white"><FONT STYLE="font-size: 10pt">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>ACCOUNT
NUMBERS: </B>State Street shall process all payment orders on the basis of the account number contained in the payment order. In the
event of a discrepancy between any name indicated on the payment order and the account number, the account number shall take precedence
and govern. Financial institutions that receive payment orders initiated by State Street at the instruction of the Client may also process
payment orders on the basis of account numbers, regardless of any name included in the payment order. State Street will also rely on
any financial institution identification numbers included in any payment order, regardless of any financial institution name included
in the payment order.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5pt; background-color: white"><FONT STYLE="font-size: 10pt">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>REJECTION:
</B>State Street reserves the right to decline to process or delay the processing of a payment order which (a) is in excess of the collected
balance in the account to be charged at the time of State Street&rsquo;s receipt of such payment order; (b) if initiating such payment
order would cause State Street, in State Street&rsquo;s sole judgment, to exceed any volume, aggregate dollar, network, time, credit
or similar limits upon wire transfers which are applicable to State Street; or (c) if State Street, in good faith, is unable to satisfy
itself that the transaction has been properly authorized.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5pt; background-color: white"><FONT STYLE="font-size: 10pt">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>CANCELLATION
OR AMENDMENT</B>: State Street shall use reasonable efforts to act on all authorized requests to cancel or amend payment orders received
in compliance with the Security Procedure provided that such requests are received in a timely manner affording State Street reasonable
opportunity to act. However, State Street assumes no liability if the request for amendment or cancellation cannot be satisfied.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 19.2pt 0 0.5pt; background-color: white"><FONT STYLE="font-size: 10pt">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>ERRORS:
</B>State Street shall assume no responsibility for failure to detect any erroneous payment order provided that State Street complies
with the payment order instructions as received and State Street complies with the Security Procedure. The Security Procedure is established
for the purpose of authenticating payment orders only and not for the detection of errors in payment orders.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 19.2pt 0 0.5pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5pt; background-color: white"><FONT STYLE="font-size: 10pt">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>INTEREST
AND LIABILITY LIMITS</B>: State Street shall assume no responsibility for lost interest with respect to the refundable amount of any
unauthorized payment order, unless State Street is notified of the unauthorized payment order within thirty (30) days of notification
by State Street of the acceptance of such payment order. In no event shall State Street be liable for special, indirect or consequential
damages, even if advised of the possibility of such damages and even for failure to execute a payment order.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>AUTOMATED
CLEARING HOUSE (&ldquo;ACH&rdquo;) CREDIT ENTRIES/PROVISIONAL PAYMENTS</B>: When a Client initiates or receives ACH credit and debit
entries pursuant to these Guidelines and the rules of the National Automated Clearing House Association and the New England Clearing
House Association, State Street will act as an Originating Depository Financial Institution and/or Receiving Depository Institution,
as the case may be, with respect to such entries. Credits given by State Street with respect to an ACH credit entry are provisional until
State Street receives final settlement for such entry from the Federal Reserve Bank. If State Street does not receive such final settlement,
the Client agrees that State Street shall receive a refund of the amount credited to the Client in connection with such entry, and the
party making payment to the Client via such entry shall not be deemed to have paid the amount of the entry.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>CONFIRMATION
STATEMENTS: </B>Confirmation of State Street&rsquo;s execution of payment orders shall ordinarily be provided within 24 hours. Notice
may be delivered through State Street&rsquo;s proprietary information systems, such as, but not limited to Horizon and GlobalQuest&reg;,
account statements, advices, or by facsimile or callback. The Client must report any objections to the execution of a payment order within
30 days.</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt"><B><I>F</I></B><I>UNDS
<B>T</B>RANSFER <B>A</B>DDENDUM</I></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><IMG SRC="image_006.jpg" ALT="" STYLE="height: 96px; width: 107px"></FONT><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; margin: 0pt; text-indent: 0pt; background-color: black"><IMG SRC="image_005a.jpg" ALT=""></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 96pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>LIABILITY
ON FOREIGN ACCOUNTS: </B>State Street shall not be required to repay any deposit made at a non-U.S. branch of State Street, or any deposit
made with State Street and denominated in a non-U.S. dollar</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 96pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 288.7pt; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt"><B><I>Serving
Institutional Investors Worldwide </I><FONT STYLE="font-variant: small-caps">sm</FONT></B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 288.7pt; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">currency,
if repayment of such deposit or the use of assets denominated in the non-U.S. dollar currency is prevented, prohibited or otherwise blocked
due to: (a) an act of war, insurrection or civil strife; (b) any action by a non-U.S. government or instrumentality or authority asserting
governmental, military or police power of any kind, whether such authority be recognized as a defacto or a dejure government, or by any
entity, political or revolutionary movement or otherwise that usurps, supervenes or otherwise materially impairs the normal operation
of civil authority; or(c) the closure of a non-U.S. branch of State Street in order to prevent, in the reasonable judgment of State Street,
harm to the employees or property of State Street. The obligation to repay any such deposit shall not be transferred to and may not be
enforced against any other branch of State Street.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 16.3pt 0 0.5pt; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">The foregoing
provisions constitute the disclosure required by Massachusetts General Laws, Chapter 167D, Section 36.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 0pt 0.5pt; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">While
State Street is not obligated to repay any deposit made at a non-U.S. branch or any deposit denominated in a non-U.S. currency during
the period in which its repayment has been prevented, prohibited or otherwise blocked, State Street will repay such deposit when and
if all circumstances preventing, prohibiting or otherwise blocking repayment cease to exist.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 16.3pt 0 0.5pt; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>MISCELLANEOUS:
</B>State Street and the Client agree to cooperate to attempt to recover any funds erroneously paid to the wrong party or parties, regardless
of any fault of State Street or the Client, but the party responsible for the erroneous payment shall bear all costs and expenses incurred
in trying to effect such recovery. These Guidelines may not be amended except by a written agreement signed by the parties.</FONT></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 186.5pt; background-color: white"><FONT STYLE="font-size: 10pt"><B><I>F</I></B><I>UNDS
<B>T</B>RANSFER <B>A</B>DDENDUM</I></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 186.5pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; height: 51px">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; width: 70%; vertical-align: middle"><FONT STYLE="font-size: 10pt"><U>Security Procedure(s) Selection
    Form</U></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: left; padding-right: 1.9pt; padding-left: 1.9pt; width: 30%"><P STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><IMG SRC="image_007.jpg" ALT="" STYLE="height: 51px; width: 107px"></FONT></P>
   </TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"></P>

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  <TR>
    <TD STYLE="padding: 0pt; width: 85%; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0pt; text-align: center; vertical-align: bottom; width: 15%; background-color: black; text-indent: 0pt"><IMG SRC="image_005a.jpg" ALT=""></TD>
    </TR>
</TABLE>

<P STYLE="margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt; width: 73%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Please
    select one or more of the funds transfer security procedures indicated below.</B></FONT></TD>
    <TD STYLE="text-align: right; padding: 0pt; vertical-align: middle; text-indent: 0pt; width: 27%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><I>Serving
    Institutional Investors Worldwide </I>SM</B></FONT></TD>
    </TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.55pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.55pt; background-color: white"><FONT STYLE="font-size: 10pt"><B>SWIFT</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.55pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">SWIFT (Society for
Worldwide Interbank Financial Telecommunication) is a cooperative society owned and operated by member financial institutions that provides
telecommunication services for its membership. Participation is limited to securities brokers and dealers, clearing and depository institutions,
recognized exchanges for securities, and investment management institutions. SWIFT provides a number of security features through encryption
and authentication to protect against unauthorized access, loss or wrong delivery of messages, transmission errors, loss of confidentiality
and fraudulent changes to messages. SWIFT is considered to be one of the most secure and efficient networks for the delivery of funds
transfer instructions. <I>Selection of this security procedure would be most appropriate for existing SWIFT members.</I></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.55pt; background-color: white"><FONT STYLE="font-size: 10pt"><B>Standing
Instructions</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.55pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">Standing Instructions
may be used where funds are transferred to a broker on the Client&rsquo;s established list of brokers with which it engages in foreign
exchange transactions. Only the date, the currency and the currency amount are variable. In order to establish this procedure, State
Street will send to the Client a list of the brokers that State Street has determined are used by the Client. The Client will confirm
the list in writing, and State Street will verify the written confirmation by telephone. Standing Instructions will be subject to a mutually
agreed upon limit. If the payment order exceeds the established limit, the Standing Instruction will be confirmed by telephone prior
to execution.</FONT></P>







<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; height: 20px">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; padding-right: 1.9pt; padding-left: 0pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"></P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; background-color: white"><FONT STYLE="font-size: 10pt"><B>&#9744;&nbsp;&nbsp;&nbsp;Remote
Batch Transmission</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.55pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">Wire transfer instructions
are delivered via Computer-to-Computer (CPU-CPU) data communications between the Client and State</FONT> <FONT STYLE="font-size: 10pt">Street. Security
procedures include encryption and or the use of a test key by those individuals authorized as Automated Batch</FONT> <FONT STYLE="font-size: 10pt">Verifiers.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><I>Clients selecting
this option should have an existing facility for completing CPU-CPU transmissions. This delivery mechanism is typically</I></FONT>  <FONT STYLE="font-size: 10pt"><I>used for high-volume
business.</I></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.55pt; background-color: white"><FONT STYLE="font-size: 10pt"><B>Global
Horizon Interchange<SUB>sm</SUB> Funds Transfer Service</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.55pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">Global Horizon Interchange
Funds Transfer Service (FTS) is a State Street proprietary microcomputer-based wire initiation system. FTS enables Clients to electronically
transmit authenticated Fedwire, CHIPS or internal book transfer instructions to State Street. <I>This delivery mechanism is most appropriate
for Clients with a low-to-medium number of transactions (5-75 per day), allowing Clients to enter, batch, and review wire transfer instructions
on their PC prior to release to State Street.</I></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.55pt; background-color: white"><FONT STYLE="font-size: 10pt"><B>Telephone
Confirmation (Callback)</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.55pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">Telephone confirmation
will be used to verify all non-repetitive funds transfer instructions received via untested facsimile or phone. This procedure requires
Clients to designate individuals as authorized initiators and authorized verifiers. State Street will verify that the instruction contains
the signature of an authorized person and prior to execution, will contact someone other than the originator at the Client&rsquo;s location
to authenticate the instruction. <I>Selection of this alternative is appropriate for Clients who do not have the capability to use other
security procedures.</I></FONT></P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; height: 20px">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; padding-right: 1.9pt; padding-left: 1.9pt"></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; background-color: white"><FONT STYLE="font-size: 10pt"><B>&#9744;&nbsp;&nbsp;Repetitive
Wires</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.55pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 16.55pt; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">For situations where
funds are transferred periodically (minimum of one instruction per calendar quarter) from an existing authorized account to the same
payee (destination bank and account number) and only the date and currency amount are variable, a repetitive wire may be implemented.
Repetitive wires will be subject to a mutually agreed upon limit. If the payment order exceeds the established limit, the instruction
will be confirmed by telephone prior to execution. Telephone confirmation is used to establish this process. Repetitive wire instructions
must be reconfirmed annually. <I>This alternative is recommended whenever funds are frequently transferred between the same two accounts.</I></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.55pt; background-color: white"><FONT STYLE="font-size: 10pt"><B>Transfers
Initiated by Facsimile</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.55pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">The Client faxes
wire transfer instructions directly to State Street Mutual Fund Services. Standard security procedure requires the use of a random number
test key for all transfers. Every six months the Client receives test key logs from State Street. The test key contains alpha-numeric
characters, which the Client puts on each document faxed to State Street. This procedure ensures all wire instructions received via fax
are authorized by the Client.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18.25pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt"><I>We
provide this option for Clients who wish to batch wire instructions and transmit these as a group to State Street Mutual Fund Services
once or several times a day.</I></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18.25pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 186.5pt; background-color: white"><FONT STYLE="font-size: 10pt"><B><I>F</I></B><I>UNDS
<B>T</B>RANSFER <B>A</B>DDENDUM</I></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 186.5pt; background-color: white"><FONT STYLE="font-size: 10pt"><I>&nbsp;</I></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 85%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Instruct</B></FONT></TD>
    <TD ROWSPAN="2" STYLE="width: 15%"><P STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><IMG SRC="image_008.jpg" ALT="" STYLE="height: 96px; width: 107px"></FONT></P>

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 0pt; text-align: center; margin-top: 6pt; margin-bottom: 0pt; background-color: black"><IMG SRC="image_005a.jpg" ALT=""></P>
   </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Instruct is a State Street web-based application designed
    to provide internet-enabled remote access that allows for the capturing, verification and processing of various instruction types,
    including securities, cash and foreign exchange transactions. Instruct is designed using industry standard formats to facilitate
    straight-through processing. Instruct provides a number of security features through user entitlements, industry standard encryption
    protocols, digital security certificates and multiple tiers of user authentication requirements.</FONT></TD></TR>
  </TABLE>
<P STYLE="text-align: right; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B><I>Serving
Institutional Investors Worldwide </I><FONT STYLE="font-variant: small-caps">sm</FONT></B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.55pt; background-color: white"><FONT STYLE="font-size: 10pt"><B>Secure
Transport</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.55pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18.25pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt">Secure
Transport is a file transfer application based upon the Secure File Transfer Protocol standard that is designed to enable State Street
clients/ investment managers to send file based transfer and transaction instructions over the internet. Secure Transport features multi-factor
authenticators such as SecurID and digital certificates, and incorporates industry-standard encryption protocols.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18.25pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.55pt; background-color: white"><FONT STYLE="font-size: 10pt"><B>Automated
Clearing House (ACH)</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.55pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18.25pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt">State
Street receives an automated transmission or a magnetic tape from a Client for the initiation of payment (credit) or collection (debit)
transactions through the ACH network. The transactions contained on each transmission or tape must be authenticated by the Client. Clients
using ACH must select one or more of the following delivery options:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18.25pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.55pt; background-color: white"><FONT STYLE="font-size: 10pt"><B>Global
Horizon Interchange Automated Clearing House Service</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.55pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18.25pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt">Transactions
are created on a microcomputer, assembled into batches and delivered to State Street via fully authenticated electronic transmissions
in standard NACHA formats.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18.25pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.1pt; background-color: white"><FONT STYLE="font-size: 10pt">Transmission
from Client PC to State Street Mainframe with Telephone Callback</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.1pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.1pt; background-color: white"><FONT STYLE="font-size: 10pt">Transmission
from Client Mainframe to State Street Mainframe with Telephone Callback</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.1pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.1pt; background-color: white"><FONT STYLE="font-size: 10pt">Transmission
from DST Systems to State Street Mainframe with Encryption</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.1pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.1pt; background-color: white"><FONT STYLE="font-size: 10pt">Magnetic
Tape Delivered to State Street with Telephone Callback</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.1pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18.25pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt">State
Street is hereby instructed to accept funds transfer instructions only via the delivery methods and security procedures indicated. The
selected delivery methods and security procedure(s) will be effective&#9;for payment orders initiated by our organization.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B>Key Contact Information</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">Whom shall we contact
to implement your selection(s)?</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B>CLIENT OPERATIONS
    CONTACT</B></FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P></TD>
    <TD STYLE="width: 50%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>ALTERNATE CONTACT</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name</FONT></TD>
    <TD STYLE="padding-bottom: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Address</FONT></TD>
    <TD STYLE="padding-bottom: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Address</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">City/State/Zip Code</FONT></TD>
    <TD STYLE="padding-bottom: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">City/State/Zip Code</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Telephone Number</FONT></TD>
    <TD STYLE="padding-bottom: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Telephone Number</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Facsimile Number</FONT></TD>
    <TD STYLE="padding-bottom: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Facsimile Number</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">SWIFT Number</FONT></TD>
    <TD STYLE="padding-bottom: 20pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 20pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Telex Number</FONT></TD>
    <TD STYLE="padding-bottom: 20pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  </TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 85%; text-align: center; text-indent: 144pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><I>F</I></B><I>UNDS
    <B>T</B>RANSFER <B>A</B>DDENDUM</I></FONT></TD>
    <TD ROWSPAN="4" STYLE="width: 15%"><P STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><IMG SRC="image_005.jpg" ALT="" STYLE="height: 96px; width: 107px"></FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-size: 10pt"><I>&nbsp;</I></FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0; background-color: black"><IMG SRC="image_005a.jpg" ALT=""></P>

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>INSTRUCTION(S)</U></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B><U>TELEPHONE CONFIRMATION</U></B></FONT></P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 50%"><FONT STYLE="font-size: 10pt"><B>Fund</B></FONT></TD>
  <TD STYLE="text-align: right; width: 50%"><FONT STYLE="font-size: 10pt"><B><I>Serving Institutional Investors Worldwide</I> <FONT STYLE="font-variant: small-caps">sm</FONT></B></FONT></TD></TR>
</TABLE>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B>Investment Adviser</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B>Authorized Initiators</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 13.45pt; background-color: white"><FONT STYLE="font-size: 10pt">Please
Type or Print</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 13.45pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><I>Please provide
a listing of Fund officers or other individuals who are currently authorized to <B>INITIATE </B>wire transfer instructions to State Street:</I></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 29%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>NAME</B></FONT></TD>
    <TD STYLE="width: 3%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 36%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>TITLE </B>(Specify whether position
    is with Fund or Investment Adviser)</FONT></TD>
    <TD STYLE="width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 30%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>SPECIMEN SIGNATURE</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B>Authorized Verifiers</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 13.45pt; background-color: white"><FONT STYLE="font-size: 10pt">Please
Type or Print</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 13.45pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 24.95pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt"><I>Please
provide a listing of Fund officers or other individuals who will be <B>CALLED BACK </B>to verify the initiation of repetitive wires of
$10 million or more and all non-repetitive wire instructions:</I></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 24.95pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt"><I>&nbsp;</I></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 28%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>NAME</B></FONT></TD>
    <TD STYLE="width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 32%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>CALLBACK PHONE NUMBER</B></FONT></TD>
    <TD STYLE="width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 36%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>DOLLAR LIMITATION (IF ANY)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 15pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  </TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt"><B>SCHEDULE
A</B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; width: 100%; padding-right: 0pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>STATE
    STREET</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; padding-right: 0pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>GLOBAL
    CUSTODY NETWORK</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; padding-right: 0pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>SUBCUSTODIANS</B></FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt; width: 23%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Market</B></FONT></TD>
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt; width: 77%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Subcustodian</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Argentina</FONT></TD>
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Citibank,
    N.A.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Australia</FONT></TD>
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The
    Hongkong and Shanghai Banking Corporation Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0pt; padding-top: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 0pt; padding-top: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Citigroup
    Pty. Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Austria</FONT></TD>
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bank
    Austria Creditanstalt AG</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bahrain</FONT></TD>
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">HSBC
    Bank Middle East Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0pt; padding-top: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 0pt; padding-top: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(as
    delegate of The Hongkong and Shanghai Banking Corporation Limited)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bangladesh</FONT></TD>
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Standard
    Chartered Bank</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Belgium</FONT></TD>
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Deutsche
    Bank AG, Netherlands (operating through its Amsterdam branch)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Benin</FONT></TD>
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">via
    Soci&eacute;t&eacute; G&eacute;n&eacute;rale de Banques en C&ocirc;te d&rsquo;Ivoire, Abidjan, Ivory Coast</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bermuda</FONT></TD>
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bank
    of Bermuda Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Botswana</FONT></TD>
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Barclays
    Bank of Botswana Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Brazil</FONT></TD>
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Citibank,
    N.A.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bulgaria</FONT></TD>
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ING
    Bank N.V.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Burkina
    Faso</FONT></TD>
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">via
    Soci&eacute;t&eacute; G&eacute;n&eacute;rale de Banques en C&ocirc;te d&rsquo;Ivoire, Abidjan, Ivory Coast</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Canada</FONT></TD>
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">State
    Street Trust Company Canada</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Cayman
    Islands</FONT></TD>
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Close
    Trustees (Cayman) Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Chile</FONT></TD>
    <TD STYLE="padding-right: 0pt; padding-top: 15pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Banco
    Ita&uacute; Chile</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">06/30/08</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9.1pt 0 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt"><B>SCHEDULE
A</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 9.1pt 0 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">STATE
STREET</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">GLOBAL
CUSTODY NETWORK</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">SUBCUSTODIANS</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="white-space: nowrap; width: 24%; padding-right: 5.4pt; padding-left: 0pt; text-indent: 9.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Market</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 76%; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Subcustodian</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 9.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 9.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">People&rsquo;s
    Republic</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">HSBC
    Bank (China) Company Limited</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 9.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">of
    China</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(as
    delegate of The Hongkong and Shanghai Banking Corporation Limited)</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(Shanghai
    and Shenzhen)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 15pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 9.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Colombia</FONT></TD>
    <TD STYLE="padding-top: 15pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Cititrust
    Colombia S.A. Sociedad Fiduciaria</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 15pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 9.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Costa
    Rica</FONT></TD>
    <TD STYLE="padding-top: 15pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Banco
    BCT S.A.</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 15pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 9.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Croatia</FONT></TD>
    <TD STYLE="padding-top: 15pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Privredna
    Banka Zagreb d.d</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 15pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 9.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Cyprus
    Czech</FONT></TD>
    <TD STYLE="padding-top: 15pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">BNP
    Paribas Securities Services, S.A., Greece (operating through its Athens branch)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 15pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 9.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Republic</FONT></TD>
    <TD STYLE="padding-top: 15pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Ceskoslovensk&aacute;
    obchodn&iacute; Banka, a.s.</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 15pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 9.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Denmark</FONT></TD>
    <TD STYLE="padding-top: 15pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Skandinaviska
    Enskilda Banken AB, Sweden (operating through its Copenhagen branch)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 15pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 9.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Ecuador</FONT></TD>
    <TD STYLE="padding-top: 15pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Banco
    de la Producci&oacute;n S.A. PRODUBANCO</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 15pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 9.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Egypt</FONT></TD>
    <TD STYLE="padding-top: 15pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">HSBC
    Bank Egypt S.A.E.</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(as
    delegate of The Hongkong and Shanghai Banking Corporation Limited)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 9.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Estonia</FONT></TD>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">AS
    Hansapank</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 9.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Finland</FONT></TD>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Skandinaviska
    Enskilda Banken AB, Sweden (operating through its Helsinki branch)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 9.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">France</FONT></TD>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Deutsche
    Bank AG, Netherlands (operating through its Paris branch)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 9.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Germany</FONT></TD>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Deutsche
    Bank AG</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 9.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Ghana</FONT></TD>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Barclays
    Bank of Ghana Limited</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 9.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Greece</FONT></TD>
    <TD STYLE="padding-top: 10pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 10pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">National
    Bank of Greece S.A.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">06/30/08</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt"><B>SCHEDULE
A</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">STATE
STREET</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">GLOBAL
CUSTODY NETWORK</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">SUBCUSTODIANS</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="white-space: nowrap; width: 23%; padding-right: 0pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Market</B></FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; width: 77%; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Subcustodian</B></FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 0pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Guinea-Bissau</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">via
    Soci&eacute;t&eacute; G&eacute;n&eacute;rale de Banques en C&ocirc;te d&rsquo;Ivoire, Abidjan, Ivory Coast</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 0pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Hong
    Kong</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Standard
    Chartered Bank (Hong Kong) Limited</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 0pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Hungary</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">UniCredit
    Bank Hungary Zrt.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 0pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Iceland</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Kaupthing
    Bank hf.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 0pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">India</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Deutsche
    Bank AG</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The
    Hongkong and Shanghai Banking Corporation Limited</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 0pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Indonesia</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Deutsche
    Bank AG</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 0pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Ireland
    Israel</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bank
    of Ireland</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 0pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Italy</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bank
    Hapoalim B.M.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 0pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Ivory
    Coast</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Deutsche
    Bank S.p.A.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 0pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Jamaica</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Soci&eacute;t&eacute;
    G&eacute;n&eacute;rale de Banques en C&ocirc;te d&rsquo;Ivoire</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 0pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Japan</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bank
    of Nova Scotia Jamaica Limited</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Mizuho
    Corporate Bank Limited</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 0pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Jordan</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Sumitomo
    Mitsui Banking Corporation</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">HSBC
    Bank Middle East Limited</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 0pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Kazakhstan</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(as
    delegate of The Hongkong and Shanghai Banking Corporation Limited)</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">SB
    HSBC Bank Kazakhstan JSC</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 0pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Kenya</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(as
    delegate of The Hongkong and Shanghai Banking Corporation Limited)</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Barclays
    Bank of Kenya Limited</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">06/30/08</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt"><B>SCHEDULE
A</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">STATE
STREET</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">GLOBAL
CUSTODY NETWORK</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">SUBCUSTODIANS</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 23%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Market</B></FONT></TD>
    <TD STYLE="width: 77%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Subcustodian</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Republic of Korea</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Deutsche Bank AG</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The Hongkong and Shanghai Banking Corporation Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Kuwait</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">HSBC Bank Middle East Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(as delegate of The Hongkong and Shanghai Banking Corporation
    Limited)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Latvia</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">A/s Hansabanka</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Lebanon</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">HSBC Bank Middle East</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(as delegate of The Hongkong and Shanghai Banking Corporation
    Limited)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Lithuania</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">SEB Bankas AB</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Malaysia</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Standard Chartered Bank Malaysia Berhad</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Mali</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">via Soci&eacute;t&eacute; G&eacute;n&eacute;rale de
    Banques en C&ocirc;te d&rsquo;Ivoire, Abidjan, Ivory Coast</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Malta</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The Hongkong and Shanghai Banking Corporation Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Mauritius</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The Hongkong and Shanghai Banking Corporation Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Mexico</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Banco Nacional de M&eacute;xico S.A.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Morocco</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Attijariwafa bank</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Namibia</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Standard Bank Namibia Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Netherlands</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Deutsche Bank AG</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">New Zealand</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The Hongkong and Shanghai Banking Corporation Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Niger</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">via Soci&eacute;t&eacute; G&eacute;n&eacute;rale de
    Banques en C&ocirc;te d&rsquo;Ivoire, Abidjan, Ivory Coast</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">06/30/08</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt"><B>SCHEDULE
A</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">STATE
STREET</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">GLOBAL
CUSTODY NETWORK</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">SUBCUSTODIANS</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 23%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Market</B></FONT></TD>
    <TD STYLE="width: 77%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Subcustodian</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Nigeria</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Stanbic IBTC Bank Plc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Norway</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Skandinaviska Enskilda Banken AB, Sweden (operating
    through its Oslo branch)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Oman</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">HSBC Bank Middle East Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(as delegate of The Hongkong and Shanghai Banking Corporation
    Limited)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Deutsche Bank AG</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Pakistan</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">HSBC Bank Middle East Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Palestine</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(as delegate of The Hongkong and Shanghai Banking Corporation
    Limited)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">HSBC Bank (Panama) S.A.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Panama Peru</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Citibank del Per&uacute;, S.A.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Philippines</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Standard Chartered Bank</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Poland</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bank Handlowy w Warszawie S.A.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Portugal</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Banco Comercial Portugu&ecirc;s S.A.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Puerto Rico</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Citibank N.A.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Qatar</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">HSBC Bank Middle East Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(as delegate of The Hongkong and Shanghai Banking Corporation
    Limited)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Romania</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ING Bank N.V.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Russia</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ING Bank (Eurasia) ZAO, Moscow</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Saudi Arabia</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Saudi British Bank</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(as delegate of The Hongkong and Shanghai Banking Corporation
    Limited)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">06/30/08</FONT></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt"><B>SCHEDULE
A</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">STATE
STREET</FONT></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">GLOBAL
CUSTODY NETWORK</FONT></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">SUBCUSTODIANS</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 23%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Market</B></FONT></TD>
    <TD STYLE="width: 77%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Subcustodian</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Senegal</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">via Soci&eacute;t&eacute; G&eacute;n&eacute;rale de
    Banques en C&ocirc;te d&rsquo;Ivoire, Abidjan, Ivory Coast</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Serbia</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Unicredit Bank Serbia JSC</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Singapore</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">DBS Bank Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">United Overseas Bank Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Slovak Republic</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Ceskoslovensk&aacute; obchodn&iacute; Banka, a.s.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Slovenia</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">UniCredit Bank Slovenija d.d.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">South Africa</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Nedbank Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Standard Bank of South Africa Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Spain</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Deutsche Bank S.A.E.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Sri Lanka</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The Hongkong and Shanghai Banking Corporation Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Swaziland</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Standard Bank Swaziland Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Sweden</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Skandinaviska Enskilda Banken AB</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Switzerland</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">UBS AG</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Taiwan - R.O.C.</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Credit Suisse</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bank of Taiwan</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Thailand</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Standard Chartered Bank (Thai) Public Company Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Togo</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">via Soci&eacute;t&eacute; G&eacute;n&eacute;rale de
    Banques en C&ocirc;te d&rsquo;Ivoire, Abidjan, Ivory Coast</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Trinidad &amp; Tobago</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Republic Bank Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Tunisia</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Banque Internationale Arabe de Tunisie</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">06/30/08</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt"><B>SCHEDULE
A</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0 53pt 0 0; text-align: center"><FONT STYLE="font-size: 10pt">STATE STREET</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0 53pt 0 0; text-align: center"><FONT STYLE="font-size: 10pt">GLOBAL CUSTODY
NETWORK</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0 53pt 0 0; text-align: center"><FONT STYLE="font-size: 10pt">SUBCUSTODIANS</FONT></P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0 53pt 0 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 23%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Market</B></FONT></TD>
    <TD STYLE="width: 77%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Subcustodian</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Turkey</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Citibank, A.S.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Uganda</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Barclays Bank of Uganda Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Ukraine</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ING Bank Ukraine</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">United Arab Emirates -</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">HSBC Bank Middle East Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Dubai Financial Market</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(as delegate of The Hongkong and Shanghai Banking Corporation
    Limited)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">United Arab Emirates -</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">HSBC Bank Middle East Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Dubai International</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(as delegate of The Hongkong and Shanghai Banking Corporation
    Limited)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Financial Center</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">United Arab Emirates -</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">HSBC Bank Middle East Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Abu Dhabi</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(as delegate of The Hongkong and Shanghai Banking Corporation
    Limited)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">United Kingdom</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">State Street Bank and Trust Company, United Kingdom
    branch</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Uruguay</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Banco Ita&uacute; Uruguay S.A.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Venezuela</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Citibank, N.A.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Vietnam</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The Hongkong and Shanghai Banking Corporation Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Zambia</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Barclays Bank of Zambia Plc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Zimbabwe</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Barclays Bank of Zimbabwe Limited</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">06/30/08</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt"><B>SCHEDULE
B</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">STATE
STREET</FONT></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">GLOBAL
CUSTODY NETWORK</FONT></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">DEPOSITORIES
OPERATING IN NETWORK MARKETS</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="white-space: nowrap; width: 23%; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Country</B></FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; width: 77%; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Depositories</B></FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Argentina</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Caja
    de Valores S.A.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Australia</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Austraclear
    Limited</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Austria</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Oesterreichische
    Kontrollbank AG (Wertpapiersammelbank Division)</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bahrain</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Clearing,
    Settlement, and Depository System of the Bahrain Stock Exchange</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bangladesh</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Depository Bangladesh Limited</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Belgium</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Banque
    Nationale de Belgique</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Euroclear
    Belgium</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Benin</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">D&eacute;positaire
    Central &ndash; Banque de R&egrave;glement</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bermuda</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bermuda
    Securities Depository</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Brazil</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    de Cust&oacute;dia e de Liquida&ccedil;&atilde;o Financeira de T&iacute;tulos Privados (CETIP)</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Companhia
    Brasileira de Liquida&ccedil;&atilde;o e Cust&oacute;dia Sistema Especial de</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Liquida&ccedil;&atilde;o
    e de Cust&oacute;dia (SELIC)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bulgaria</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bulgarian
    National Bank</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Depository AD</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Burkina
    Faso</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">D&eacute;positaire
    Central &ndash; Banque de R&egrave;glement The</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Canada</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Canadian
    Depository for Securities Limited</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Chile</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Dep&oacute;sito
    Central de Valores S.A.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">People&rsquo;s
    Republic of China</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">China
    Securities Depository and Clearing Corporation Limited,</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Shanghai
    Branch</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">China
    Securities Depository and Clearing Corporation Limited</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Shenzhen
    Branch</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 44.15pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 44.15pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">06/30/08</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt"><B>SCHEDULE
B</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">STATE
STREET</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">GLOBAL
CUSTODY NETWORK</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">DEPOSITORIES
OPERATING IN NETWORK MARKETS</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="white-space: nowrap; width: 23%; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Country</B></FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; width: 77%; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Depositories</B></FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Colombia</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Dep&oacute;sito
    Central de Valores</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Dep&oacute;sito
    Centralizado de Valores de Colombia S..A. (DECEVAL)</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Costa
    Rica</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    de Valores S.A. Sredi&scaron;nja</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Croatia
    Cyprus</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">depozitarna
    agencija d.d. Central Depository</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Czech
    Republic</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">and
    Central Registry</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Czech
    National Bank</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Stredisko
    cenn&yacute;ch pap&iacute;ru &ndash; Cesk&aacute; republika</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Denmark</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">V&aelig;rdipapircentralen</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Egypt</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Misr
    for Clearing, Settlement, and Depository S.A.E.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Bank of Egypt</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Estonia</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">AS
    Eesti V&auml;&auml;rtpaberikeskus</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Finland</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Suomen
    Arvopaperikeskus Oy</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">France</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Euroclear
    France</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Germany</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Clearstream
    Banking AG, Frankfurt</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Greece</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Apothetirion
    Titlon AE</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bank
    of Greece, System for Monitoring Transactions in Securities in Book-Entry Form</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Guinea-Bissau</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">D&eacute;positaire
    Central &ndash; Banque de R&egrave;glement</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">06/30/08</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt"><B>SCHEDULE
B</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">STATE
STREET</FONT></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">GLOBAL
CUSTODY NETWORK</FONT></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">DEPOSITORIES
OPERATING IN NETWORK MARKETS</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; width: 23%; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Country</B></FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; width: 77%; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Depositories</B></FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Hong
    Kong</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Moneymarkets Unit</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Hong
    Kong Securities Clearing Company Limited</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Hungary</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">K&ouml;zponti
    Elsz&aacute;mol&oacute;h&aacute;z &eacute;s &Eacute;rt&eacute;kt&aacute;r (Budapest) Zrt. (KELER)</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Iceland</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Icelandic
    Securities Depository Limited</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">India</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Depository Services (India) Limited</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">National
    Securities Depository Limited</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Reserve
    Bank of India</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Indonesia</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bank
    Indonesia</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">PT
    Kustodian Sentral Efek Indonesia</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Israel</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Tel
    Aviv Stock Exchange Clearing House Ltd. (TASE C</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Italy</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Monte
    Titoli S.p.A.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Ivory
    Coast</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">D&eacute;positaire
    Central &ndash; Banque de R&egrave;glement</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Jamaica</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Jamaica
    Central Securities Depository</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Japan</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bank
    of Japan - Net System</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Japan
    Securities Depository Center (JASDEC) Incorpor</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Jordan</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Securities
    Depository Center</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Kazakhstan</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Securities Depository</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Kenya</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Depository and Settlement Corporation Limited</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Bank of Kenya</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Republic
    of Korea</FONT></TD>
    <TD STYLE="text-indent: 0pt; white-space: nowrap; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Korea
    Securities Depository</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">06/30/08</FONT></P>


<!-- Field: Page; Sequence: 50; Value: 1 -->
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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt"><B>SCHEDULE
B</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">STATE
STREET</FONT></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">GLOBAL
CUSTODY NETWORK</FONT></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">DEPOSITORIES
OPERATING IN NETWORK MARKETS</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 23%; padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Country</B></FONT></TD>
    <TD STYLE="text-indent: 0pt; width: 77%; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Depositories</B></FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Kuwait</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Kuwait
    Clearing Company</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Latvia</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Latvian
    Central Depository</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Lebanon</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Banque
    du Liban</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Custodian
    and Clearing Center of Financial Instruments for Lebanon and the Middle East (Midclear) S.A.L.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Lithuania</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Securities Depository of Lithuania</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Malaysia</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bank
    Negara Malaysia</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bursa
    Malaysia Depository Sdn. Bhd.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Mali</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">D&eacute;positaire
    Central &ndash; Banque de R&egrave;glement</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Malta</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Securities Depository of the Malta Stock Exchange</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Mauritius</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bank
    of Mauritius</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Depository and Settlement Co. Ltd.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Mexico</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">S.D.
    INDEVAL, S.A. de C.V.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Morocco</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Maroclear</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Namibia</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bank
    of Namibia</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Netherlands</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Euroclear
    Nederland</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">New
    Zealand</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">New
    Zealand Central Securities Depository Limited</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Niger</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">D&eacute;positaire
    Central &ndash; Banque de R&egrave;glement</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Nigeria</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Securities Clearing System Limited</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">06/30/08</FONT></P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt"><B>SCHEDULE
B</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">STATE
STREET&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">GLOBAL
CUSTODY NETWORK&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">DEPOSITORIES
OPERATING IN NETWORK MARKETS</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; width: 23%; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Country</B></FONT></TD>
    <TD STYLE="padding-left: 0pt; width: 77%; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Depositories</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Norway</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Verdipapirsentralen</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Oman</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Muscat Depository
    &amp; Securities Registration Company, SAOC</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Pakistan</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Depository Company of Pakistan Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">State Bank
    of Pakistan</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Palestine</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Clearing,
    Depository and Settlement, a department</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">of the Palestine
    Securities Exchange</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Panama</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Latinoamericana de Valores, S.A. (LatinClear)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Peru</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Caja de
    Valores y Liquidaciones, Instituci&oacute;n de</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Compensaci&oacute;n
    y Liquidaci&oacute;n de Valores S.A.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Philippines</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Philippine
    Depository &amp; Trust Corporation</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Registry
    of Scripless Securities (ROSS) of the Bureau of Treasury</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Poland</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Rejestr
    Papier&oacute;w Warto&#347;ciowych</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Krajowy
    Depozyt Papier&oacute;w Wartos&acute;ciowych S.A.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Portugal</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">INTERBOLSA
    &ndash; Sociedad Gestora de Sistemas de Liquida&ccedil;&atilde;o</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">e de Sistemas
    Centralizados de Valores Mobili&aacute;rios, S.A.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Qatar</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Clearing and Registration (CCR), a</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">department
    of the Doha Securities Market</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Romania</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">S.C. Depozitarul
    Central S.A.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">National
    Bank of Romania</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Russia</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Vneshtorgbank,
    Bank for Foreign Trade of the Russian Federation</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">National
    Depository Center</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Saudi Arabia</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Tadawul
    Central Securities Depository</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">06/30/08</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt"><B>SCHEDULE
B</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">STATE
STREET</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">GLOBAL
CUSTODY NETWORK</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">DEPOSITORIES
OPERATING IN NETWORK MARKETS</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="text-indent: 0pt; width: 23%; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Country</B></FONT></TD>
    <TD STYLE="text-indent: 0pt; width: 77%; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Depositories</B></FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Senegal</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">D&eacute;positaire
    Central &ndash; Banque de R&egrave;glement</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Serbia</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Registrar and Central Depository for Securities</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Singapore</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The
    Central Depository (Pte) Limited</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Monetary
    Authority of Singapore</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Slovak
    Republic</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">N&aacute;rodn&aacute;
    banka slovenska</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Centralny
    depozitar cenn&yacute;ch papierov SR, a.s.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Slovenia</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">KDD
    &ndash; Centralna klirinsko depotna druzba d.d.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">South
    Africa</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Strate
    Ltd.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Spain</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">IBERCLEAR</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Sri
    Lanka</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Depository System (Pvt) Limited</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Sweden</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">V&auml;rdepapperscentralen
    VPC AB</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Switzerland</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">SegaIntersettle
    AG</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Taiwan
    - R.O.C.</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Taiwan
    Depository and Clearing Corporation</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; vertical-align: bottom; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Thailand</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Thailand
    Securities Depository Company Limited</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Togo</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">D&eacute;positaire
    Central &ndash; Banque de R&egrave;glement</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Trinidad
    and Tobago</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Bank of Trinidad and Tobago</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Tunisia</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-right: 5.4pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Soci&eacute;t&eacute;
    Tunisienne Interprofessionelle pour la Compensation et de D&eacute;p&ocirc;ts des Valeurs Mobili&egrave;res (STICODEVAM)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 12pt"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">06/30/08</FONT></P>


<!-- Field: Page; Sequence: 53; Value: 1 -->
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 2.9pt 0 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt"><B>SCHEDULE
B</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 2.9pt 0 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">STATE
STREET</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">GLOBAL
CUSTODY NETWORK</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">DEPOSITORIES
OPERATING IN NETWORK MARKETS</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-indent: 0pt; width: 23%; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Country</B></FONT></TD>
    <TD STYLE="text-indent: 0pt; width: 77%; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Depositories</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Turkey</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Bank of Turkey</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Registry Agency</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Uganda</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bank of
    Uganda</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Ukraine</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Mizhregionalny
    Fondovy Souz</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">National
    Bank of Ukraine</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">United Arab
    Emirates</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Clearing
    and Depository System, a department of the Dubai Financial Market</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Dubai Financial
    Market</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">United Arab
    Emirates</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Central
    Securities depository department of the Dubai International Financial Exchange</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Dubai International</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Financial
    Center</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">United Arab
    Emirates</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Clearing,
    Settlement, Depository and Registry department of the Abu Dhabi</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Abu Dhabi</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Securities
    Exchange</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">United Kingdom</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Euroclear
    UK &amp; Ireland Limited</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Uruguay</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Banco Central
    del Uruguay</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"></TD>
    <TD ROWSPAN="2" STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Banco
    Central de Venezuela</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Venezuela</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Caja Venezolana
    de Valores</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Vietnam</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Vietnam
    Securities Depository</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Zambia</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bank of
    Zambia</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0pt; padding-left: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">LuSE Central
    Shares Depository Limited</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0pt"><FONT STYLE="font-size: 10pt"><B>TRANSNATIONAL</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0pt"><FONT STYLE="font-size: 10pt">Euroclear Bank S.A./N.V.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 9.5pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">Clearstream Banking,
S.A</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">06/30/08</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt"><B>SCHEDULE
B</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">STATE
STREET</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">GLOBAL
CUSTODY NETWORK</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">DEPOSITORIES
OPERATING IN NETWORK MARKETS</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 19%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Country</B></FONT></TD>
    <TD STYLE="width: 81%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Depositories</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">06/30/08</FONT></P>


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<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B>SCHEDULE
C</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 161.3pt 0 177.1pt; text-indent: 30pt; background-color: white"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><FONT STYLE="font-size: 10pt"><B>MARKET
INFORMATION</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 161.3pt 0 177.1pt; text-indent: 30pt; background-color: white"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="text-align: left; width: 35%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>Publication/Type
    of Information </U>(scheduled frequency)</B></FONT></TD>
    <TD STYLE="text-align: left; width: 65%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>Brief
    Description</U></B></FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I><U>The
    Guide to Custody in World Markets</U></I> (hardcopy annually and regular website updates)</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">An
    overview of settlement and safekeeping procedures, custody practices and foreign investor considerations for the markets in which
    State Street offers custodial services.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I><U>Global
Custody Network Review</U></I> (annually)</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Information
    relating to Foreign Sub-Custodians in State Street&rsquo;s Global Custody Network. The Review stands as an integral part of the materials
    that State Street provides to its U.S. mutual fund clients to assist them in complying with SEC Rule 17f-5. The Review also gives
    insight into State Street&rsquo;s market expansion and Foreign Sub-Custodian selection processes, as well as the procedures and controls
    used to monitor the financial condition and performance of our Foreign Sub-Custodian banks.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I><U>Securities
    Depository Review</U></I> (annually)</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Custody
    risk analyses of the Foreign Securities Depositories presently operating in Network markets. This publication is an integral part
    of the materials that State Street provides to its U.S. mutual fund clients to meet informational obligations created by SEC Rule
    17f-7.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I><U>Global
    Legal Survey</U></I> (annually)</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">With
    respect to each market in which State Street offers custodial services, opinions relating to whether local law restricts (i) access
    of a fund&rsquo;s independent public accountants to books and records of a Foreign Sub-Custodian or Foreign Securities System, (ii)
    a fund&rsquo;s ability to recover in the event of bankruptcy or insolvency of a Foreign Sub-Custodian or Foreign Securities System,
    (iii) a fund&rsquo;s ability to recover in the event of a loss by a Foreign Sub-Custodian or Foreign Securities System, and (iv)
    the ability of a foreign investor to convert cash and cash equivalents to U.S. dollars.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I><U>Subcustodian
    Agreements</U></I> (annually)</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Copies
    of the contracts that State Street has entered into with each Foreign Sub-Custodian that maintains U.S. mutual fund assets in the
    markets in which State Street offers custodial services.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I><U>Global
    Market Bulletin</U></I> (daily or as necessary)</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Information
    on changing settlement and custody conditions in markets where State Street offers custodial services. Includes changes in market
    and tax regulations, depository developments, dematerialization information, as well as other market changes that may impact State
    Street&rsquo;s clients.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I><U>Foreign
    Custody Advisories</U></I> (as necessary)</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For
    those markets where State Street offers custodial services that exhibit special risks or infrastructures impacting custody, State
    Street issues market advisories to highlight those unique market factors which might impact our ability to offer recognized custody
    service levels.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I><U>Material
    Change Notices</U></I> (presently on a quarterly basis or as otherwise necessary)</FONT></TD>
    <TD STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Informational
    letters and accompanying materials confirming State Street&rsquo;s foreign custody arrangements, including a summary of material
    changes with Foreign Sub-Custodians that have occurred during the previous quarter. The notices also identify any material changes
    in the custodial risks associated with maintaining assets with Foreign Securities Depositories.</FONT></TD></TR>
  </TABLE>

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<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps"><B>SCHEDULE
D to <U>Master</U></B></FONT></P>

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps"><B><U>Custodian
Agreement</U></B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 153.6pt; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 192pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt; font-variant: small-caps"><U>Special
Sub</U></FONT><U><FONT STYLE="font-size: 10pt">-<FONT STYLE="font-variant: small-caps">Custodians </FONT></FONT></U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 192pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 192pt 0 0; background-color: white"><FONT STYLE="font-size: 10pt">None.</FONT></P>

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<DOCUMENT>
<TYPE>EX-99.(2)(J)(1)
<SEQUENCE>13
<FILENAME>jhfof-html3755_ex992j1.htm
<DESCRIPTION>AMENDMENT DATED OCTOBER 1, 2015 TO THE MASTER CUSTODIAN AGREEMENT DATED SEPTEMBER 10, 2008 BETWEEN THE FUND AND STATE STREET BANK AND TRUST COMPANY
<TEXT>
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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">EXHIBIT (2)(j)(1)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>AMENDMENT TO MASTER CUSTODIAN AGREEMENT</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Century; margin: 0; text-align: justify; text-indent: 36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">This
Amendment to Master Custodian Agreement (&#8220;<B><I>Amendment</I></B>&#8221;) is made as of [&bull;], 2015, by and among each registered
investment company party thereto (each, a &#8220;<B><I>Fund</I></B>&#8221; and collectively, the &#8220;<B><I>Funds</I></B>&#8221;) and
State Street Bank and Trust Company (the &#8220;<B><I>Custodian</I></B>&#8221;).</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">WHEREAS, each Fund and the Custodian
entered into that certain Master Custodian Agreement dated as of September 10, 2008 (as amended, modified and supplemented from time to
time, the &#8220;<B><I>Agreement</I></B>&#8221;); and</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">WHEREAS, each Fund and the Custodian
desire to amend the Agreement as set forth herein.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">NOW THEREFORE, in consideration
of the foregoing, each Fund, acting on its own behalf separately from all of the other investment companies and not jointly or jointly
and severally with any of the other investment companies, and the Custodian hereby agree to amend the Agreement, pursuant to the terms
thereof, as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
new Section 23 shall be added to the Agreement, as follows.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&#8220;<FONT STYLE="font-variant: small-caps">Section
23.&#9;<U>Foreign Exchange</U></FONT>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt"><FONT STYLE="font-variant: small-caps">Section
23.1.&#9;<U>Generally</U></FONT>. Upon receipt of Proper Instructions, which for purposes of this section may also include security trade
advices, the Custodian shall facilitate the processing and settlement of foreign exchange transactions. Such foreign exchange transactions
do not constitute part of the services provided by the Custodian under this Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt"><FONT STYLE="font-variant: small-caps">Section
23.2.&#9;<U>Fund Elections</U></FONT>. Each Fund (or its investment manager or investment advisor (&#8220;Investment Advisor&#8221;) acting
on its behalf) may elect to enter into and execute foreign exchange transactions with third parties that are not affiliated with the Custodian,
with State Street Global Markets, which is the foreign exchange division of State Street Bank and Trust Company and its affiliated companies
(&#8220;SSGM&#8221;), or with a sub-custodian. Where the Fund or its Investment Advisor gives Proper Instructions for the execution of
a foreign exchange transaction using an indirect foreign exchange service described in the Client Publications (which means the general
client publications of State Street Bank and Trust Company available from time to time to clients and their investment managers), the
Fund (or its Investment Advisor) instructs the Custodian, on behalf of the Fund, to direct the execution of such foreign exchange transaction
to SSGM or, when the relevant currency is not traded by SSGM, to the applicable sub-custodian. The Custodian shall not have any agency
(except as contemplated in preceding sentence), trust or fiduciary obligation to the Fund, its Investment Advisor or any other person
in connection with the execution of any foreign exchange transaction. The Custodian shall have no responsibility under this Agreement
for the selection of the counterparty to, or the method of execution of, any foreign exchange transaction entered into by the Fund (or
its Investment Advisor acting on its behalf) or the reasonableness of the execution rate on any such transaction.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt"><FONT STYLE="font-variant: small-caps">Section
</FONT>23.3.&#9;<FONT STYLE="font-variant: small-caps"><U>Fund Acknowledgement</U></FONT>. Each Fund acknowledges that in connection with
all foreign exchange transactions entered into by the Fund (or its Investment Advisor acting on its behalf) with SSGM or any sub-custodian,
SSGM and each such sub-custodian:</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shall
be acting in a principal capacity and not as broker, agent or fiduciary to the Fund or its Investment Advisor;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shall
seek to profit from such foreign exchange transactions, and are entitled to retain and not disclose any such profit to the Fund or its
Investment Advisor; and</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shall
enter into such foreign exchange transactions pursuant to the terms and conditions, including pricing or pricing methodology, (a) agreed
with the Fund or its Investment Advisor from time to time or (b) in the case of an indirect foreign exchange service, (i) as established
by SSGM and set forth in the Client Publications with respect to the particular foreign exchange execution services selected by the Fund
or the Investment Advisor or (ii) as established by the sub-custodian from time to time.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt"><FONT STYLE="font-variant: small-caps">Section
</FONT>23.4.&#9;<FONT STYLE="font-variant: small-caps"><U>Transactions by State Street</U></FONT>. The Custodian or its affiliates, including
SSGM, may trade based upon information that is not available to the Fund (or its Investment Advisor acting on its behalf), and may enter
into transactions for its own account or the account of clients in the same or opposite direction to the transactions entered into with
the Fund (or its Investment Manager), and shall have no obligation, under this Agreement, to share such information with or consider the
interests of their respective counterparties, including, where applicable, the Fund or the Investment Advisor.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: 36pt"><FONT STYLE="font-variant: small-caps">Section
</FONT>23.5.&#9;<FONT STYLE="font-variant: small-caps"><U>No Retroactive Effect</U></FONT>. The parties agree that this Section 23 shall
have no retroactive effect as to the Funds.&#8221;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Century; margin: 0; text-align: justify; text-indent: 36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;That
parties agree that the John Hancock Exchange-Traded Fund Trust and its portfolios shall not be covered by this Amendment but rather shall
be covered by the separate letter agreement dated as of [</FONT><FONT STYLE="font-family: Wingdings 2">&#151;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">],
2015 containing the same foreign exchange provision set forth herein.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as expressly amended by this Amendment, the provisions of the Agreement shall remain in full force and effect.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><I>[The remainder of this page intentionally left blank.]</I></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt"><B>IN WITNESS WHEREOF</B>, each
of the parties hereto has caused this Amendment to be executed in its name and behalf by its duly authorized representative as of the
date first written above.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10.5pt Century; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-right: 0; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 0; padding-bottom: 0; padding-left: 0; text-indent: 0"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>EACH
    REGISTERED INVESTMENT COMPANY</B></FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>PARTY
    TO THE AGREEMENT</B></FONT></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 12pt 0 0; width: 23%; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 12pt 0 0; width: 35%; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 12pt 0 0; width: 7%; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 12pt 0 0; width: 35%; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 0; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 0; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="padding-right: 0; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
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    <TD STYLE="padding-right: 0; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 0; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 0; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="padding-right: 0; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>

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    <TD STYLE="padding-right: 0; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
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    <TD COLSPAN="2" STYLE="padding-right: 0; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 0; text-align: left; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>STATE
    STREET BANK AND TRUST COMPANY</B></FONT></TD></TR>
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    <TD STYLE="padding: 12pt 0 0; width: 23%; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 12pt 0 0; width: 35%; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 12pt 0 0; width: 7%; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="padding: 12pt 0 0; width: 35%; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
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    <TD STYLE="padding-right: 0; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 0; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 0; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="padding-right: 0; border-top: Black 1pt solid; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Gunjan
    Kedia</FONT></TD></TR>
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    <TD STYLE="padding-right: 0; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 0; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 0; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="padding-right: 0; text-align: justify; padding-bottom: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Executive
    Vice President</FONT></TD></TR>
  </TABLE>


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<DOCUMENT>
<TYPE>EX-99.(2)(K)(1)
<SEQUENCE>14
<FILENAME>jhfof-html3755_ex992k1.htm
<DESCRIPTION>ADMINISTRATION AGREEMENT DATED AUGUST 15,1994
<TEXT>
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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">EXHIBIT (2)(k)(1)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><U>ADMINISTRATION AGREEMENT</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">August 15, 1994</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 251.75pt 0 0.5pt; background-color: white">John Hancock Advisers, Inc. 101</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 251.75pt 0 0.5pt; background-color: white">Huntington Avenue Boston,</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 251.75pt 0 0.5pt; background-color: white">Massachusetts 02199</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0 0.5pt; background-color: white">Dear Sir:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 35.75pt; background-color: white">John Hancock Bank
and Thrift Opportunity Fund (the &#8220;Fund&#8221;) has been organized as a business trust under the laws of The Commonwealth of Massachusetts
to engage in the business of an investment company. The Trustees of the Fund (the &#8220;Trustees&#8221;) have selected John Hancock Advisers,
Inc. (the &#8220;Administrator&#8221;).to provide certain administrative services for the Fund, as more fully set forth below, and you
are willing to provide such services under the terms and conditions hereinafter set forth. Accordingly, the Fund agrees with you as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: justify; text-indent: 36pt; background-color: white">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Delivery
of Documents</U>. The Fund has furnished you with copies, properly certified or otherwise authenticated, of each of the following:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">(a)</TD><TD>Agreement and Declaration of Trust of the Fund, dated June 16, 1994, as amended July 20, 1994 (the -Declaration of Trust&#8221;);</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">(b)</TD><TD STYLE="padding-right: 45.75pt">By-Laws of the Fund as in effect on the date hereof; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">(c)</TD><TD>Resolutions of the Trustees approving the form of this Agreement.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 35.75pt; background-color: white">The Fund will furnish
you from time to time with copies, properly certified or otherwise authenticated, of all amendments of or supplements to the foregoing,
if any.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 36.25pt; background-color: white">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Administrative
Services</U>. Subject to the general supervision of the Board of Trustees of the Fund, you will provide certain administrative services
to the Fund. You will, to the extent such services are not required to be performed by others pursuant to an investment advisory agreement,
services agreement, custodian agreement or transfer agency agreement, (i) provide supervision of all aspects of the Fund&#8217;s operations
not referred to in the current Investment Advisory Agreement between the Fund</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5pt; background-color: white">and you; (ii) provide the Fund with
personnel to perform such executive, administrative and clerical services as are reasonably necessary to provide effective administration
of the Fund; (iii) arrange for, at the Fund&#8217;s expense, {a) the preparation for the Fund of all required tax returns, (b) the preparation
and submission of reports to existing shareholders and (c) the preparation of reports filed with the Securities and Exchange Commission
and other regulatory authorities; (iv) maintain all of the Fund&#8217;s records; and (v) provide the Fund with adequate office space and
all necessary office equipment and services including telephone service, heat, utilities, stationery supplies and similar items. You will
also provide to the Fund&#8217;s Board of Trustees such periodic and special reports as the Board may reasonably request.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0 36.25pt; background-color: white">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Expenses
Paid by You. You will pay:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">(a)</TD><TD>except as may otherwise be provided in an investment advisory agreement, the expenses of office, rent, telephone and other utilities,
office furniture, equipment, supplies and other office facilities, goods or services you furnish for the Fund; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">(b)</TD><TD>any other expenses incurred by you in connection with the performance of your duties hereunder.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 36.25pt; background-color: white">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Expenses
Not Paid by You</U>. You will not be required to pay any expenses which this Agreement does not expressly make payable by you. In particular,
and without limiting the generality of the foregoing but subject to the provisions of Section 3, you will not be required to pay:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">(a)</TD><TD>any and all expenses, taxes and governmental fees incurred by the Fund prior to the date hereof;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">(b)</TD><TD>the compensation and expenses of Trustees and of independent advisers, independent contractors, consultants, managers and other unaffiliated
agents employed by the Fund other than through you;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">(c)</TD><TD>legal, accounting and auditing fees and expenses of the Fund;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">(d)</TD><TD>the fees or disbursements of custodians and depositories of the Fund&#8217;s assets, transfer agents, disbursing agents, plan agents
and registrars;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">(e)</TD><TD>taxes and governmental fees assessed against the Fund&#8217;s assets and payable by the Fund;</TD></TR></TABLE>



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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">(f)</TD><TD>the cost of preparing and mailing dividends, distributions, reports, notices and proxy materials to shareholders of the Fund;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">(g)</TD><TD>the fees of any securities exchange on which the Fund&#8217;s shares are listed;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">(h)</TD><TD>brokers&#8217; commissions and underwriting fees; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 36pt">(i)</TD><TD>the expense of periodic calculations of the net asset value of the shares of the Fund.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 8.1pt 0 0; text-align: justify; text-indent: 36pt; background-color: white">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compensation
of the Administrator. For all services to be rendered, facilities furnished and expenses paid or assumed by you as herein provided, the
Fund will pay you monthly a Fee equal to 0.25% annually of the Fund&#8217;s average weekly net assets.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 36pt; background-color: white">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Mo
Partnership or Joint Venture</U>. The Fund and you are not partners of or joint venturers with each other and nothing herein shall be
construed so as to make you such partners or joint venturers or impose any liability as such on any of you.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 36pt; background-color: white">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Limitation
of Liability of the Adviser. You shall not be liable for any error of judgment or mistake of law or for any loss suffered by the Fund
in connection with the matters to which this Agreement relates, except a loss resulting from willful misfeasance, bad faith or gross negligence
on your part in the performance of your duties or from reckless disregard by you of your obligations and duties under this Agreement.
Any person, even though also employed by you, who may be or become an employee of and paid by the Fund shall be deemed, when acting within
the scope of his or her employment by the Fund, to be acting in such employment solely for the Fund and not as your employee or agent.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 36pt; background-color: white">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Duration
and Termination of this Agreement. This Agreement shall remain in force until the second anniversary of the date upon which this Agreement
was executed by the parties hereto, and from year to year thereafter, but only so long as such continuance is specifically approved at
least annually by a majority of the Trustees. This Agreement may, on 60 days&#8217; written notice, be terminated at any time without
the payment of any penalty by the Fund by vote of a majority of the Trustees or majority of the outstanding voting securities of the Fund,
or by you.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 36pt; background-color: white">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendment
of this Agreem</U>ent. No provision of this Agreement may be changed, waived, discharged or terminated orally, but only by an instrument
in writing signed by the party against which enforcement of the change, waiver or termination is sought.</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt; background-color: white">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing
Law</U>. This Agreement shall be governed by and construed in accordance with the laws of The Commonwealth of Massachusetts without regard
to the choice of law provisions thereof.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 36pt; background-color: white">11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Miscellaneous</U>.
The captions in this Agreement are included for convenience of reference only and in no way define or limit any of the provisions hereof
or otherwise affect their construction or effect. This Agreement may be executed simultaneously in two or more counterparts, each of which
shall be deemed an original, but all of which together shall constitute one and the same instrument. A copy of the Declaration of Trust
is on file with the Secretary of State of the Commonwealth of Massachusetts. The obligations of the Fund are not personally binding upon,
nor shall resort be had to the private property of, any of the Trustees, shareholders, officers, employees or agents of the Fund, but
only the Fund&#8217;s property shall be bound.</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 216pt; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Courier New, Courier, Monospace; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Yours very truly,</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">JOHN HANCOCK BANK AND THRIFT OPPORTUNITY FUND</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 36%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 16%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 7%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/
    John A. Morin</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">John A. Morin</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Vice President</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 46.1pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 46.1pt 0 0; background-color: white">The foregoing contract is
hereby agreed
to as of the
date hereof.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 45.75pt 0 0; background-color: white">&nbsp;</P>

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    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">JOHN HANCOCK ADVISERS, INC.</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/
    John A. Morin</FONT></TD>
    <TD STYLE="width: 17%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 35%; padding-top: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">John A. Morin</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Vice President</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>


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<DOCUMENT>
<TYPE>EX-99.(2)(K)(1)(A)
<SEQUENCE>15
<FILENAME>jhfof-html3755_ex992k1a.htm
<DESCRIPTION>FORM OF AMENDMENT TO THE ADMINISTRATION AGREEMENT
<TEXT>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>EXHIBIT (2)(k)(1)(a)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>AMENDMENT TO ADMINISTRATION AGREEMENT</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">JOHN HANCOCK BANK AND THRIFT OPPORTUNITY FUND</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; text-indent: 36pt">AMENDMENT made as of this
11<SUP>th</SUP> day of September, 2012 to the Administration Agreement dated August 15, 1994, between John Hancock Bank and Thrift Opportunity
Fund (the &ldquo;Fund&rdquo;) and John Hancock Advisers, LLC. In consideration of the mutual covenants contained herein, the parties agree
as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">1. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;AMENDMENT
TO SECTION 5</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; text-indent: 36pt">Section 5 of the Agreement
is hereby amended as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; text-indent: 36pt">5. <U>Compensation of the
Administrator</U>. For all services to be rendered, facilities furnished and expenses paid or assumed by you as herein provided, the Fund
will pay you monthly a fee equal to 0.25% annually of the Fund&rsquo;s average weekly gross assets. &ldquo;Gross assets&rdquo; of the
Fund means total assets of the Fund, including any form of investment leverage, minus all accrued expenses incurred in the normal course
of operations, but not excluding any liabilities or obligations attributable to investment leverage obtained through (i) indebtedness
of any type (including, without limitation, borrowing through a credit facility/commercial paper program or other forms of borrowings
or the issuance of debt securities), (ii) the issuance of preferred shares or other similar preference securities, and/or (iii) any other
means.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;EFFECTIVE
DATE</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; text-indent: 36pt">This Amendment shall become
effective as of the date first mentioned above.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">3. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DEFINED
TERMS</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; text-indent: 36pt">Unless otherwise defined
herein, capitalized terms used herein have the meanings specified in or pursuant to the Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">4. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;OTHER
TERMS OF THE AGREEMENT</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; text-indent: 36pt">Except as specifically amended
hereby, all of the terms and conditions of the Agreement shall continue to be in full force and effect and shall be binding upon the parties
in accordance with their respective terms.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">* * * * *</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">IN WITNESS WHEREOF, the parties
hereto have caused this Amendment to be executed by their duly authorized officers as of the date first mentioned above.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 108pt; text-indent: 36pt"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; text-transform: uppercase"><B>John Hancock Bank and Thrift Opportunity Fund</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 45%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">By:</FONT></TD>
    <TD STYLE="text-indent: 0; width: 43%; border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Salvatore Schiavone</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0; padding-right: 0; padding-left: 0; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:&nbsp;&nbsp;Salvatore Schiavone</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0; padding-right: 0; padding-left: 0; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:&nbsp;&nbsp;Treasurer</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0; padding-right: 0; padding-left: 0; font-size: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; text-transform: uppercase"><B>JOhn Hancock Advisers, LLC</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">By:</FONT></TD>
    <TD STYLE="text-indent: 0; border-bottom: Black 1pt solid; padding-right: 0; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/ Jeff Long</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0; padding-right: 0; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Name: Jeff Long</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; font-size: 12pt; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:&nbsp;&nbsp;Chief Financial Officer</FONT></TD></TR>
  </TABLE>


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<DOCUMENT>
<TYPE>EX-99.(2)(K)(1)(B)
<SEQUENCE>16
<FILENAME>jhfof-html3755_ex992k1b.htm
<DESCRIPTION>FORM OF EXPENSE LIMITATION AGREEMENT BW ADVISOR AND FUND ADMINISTRATION AGREEMENT
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>EXHIBIT (2)(k)(1)(b)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">John Hancock Investment Management LLC</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">200 Berkeley Street</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Boston, Massachusetts 02116</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">As of June 24, 2021</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">To the Trustees of</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">John Hancock Financial Opportunities Fund</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">200 Berkeley Street</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Boston, Massachusetts 02116</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Re: Expense Limitation Regarding Administration Agreement</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">With reference to the Administration Agreement,
dated August 15, 1994 (&ldquo;Administration Agreement&rdquo;), entered into between John Hancock Financial Opportunities Fund (the &ldquo;Fund&rdquo;)
and John Hancock Investment Management LLC (the &ldquo;Adviser&rdquo;), as amended, we hereby notify you as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">The Adviser agrees to limit its fee applicable
to the Administration Agreement to 0.10% annually of the Fund&rsquo;s average weekly gross assets (the &ldquo;Expense Limitation&rdquo;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">&ldquo;Gross assets&rdquo; of the Fund means
total assets of the Fund, including any form of investment leverage, minus all accrued expenses incurred in the normal course of operations,
but not excluding any liabilities or obligations attributable to investment leverage obtained through (i) indebtedness of any type (including,
without limitation, borrowing through a credit facility/commercial paper program or other forms of borrowings or the issuance of debt
securities), (ii) the issuance of preferred shares or other similar preference securities, and/or (iii) any other means.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Expense Limitation expires on April 30, 2023 unless
renewed by mutual agreement of the Fund and the Adviser based upon a determination that this is appropriate under the circumstances at
the time.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">This Agreement is effective as of June 24, 2021 and
supersedes the prior Letter Agreement from the Adviser to the Trustees relating to the same subject matter.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.9pt">Very truly yours,</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.9pt">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="text-transform: uppercase">JOhn Hancock INVESTMENT MANAGEMENT
LLC</FONT></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 40%; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 55%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name: Jeff Long</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:&nbsp;&nbsp;Chief Financial Officer</FONT></TD>
    <TD>&nbsp;</TD></TR>
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<DOCUMENT>
<TYPE>EX-99.(2)(K)(2)
<SEQUENCE>17
<FILENAME>jhfof-html3755_ex992k2.htm
<DESCRIPTION>SERVICE AGREEMENT DATED JUNE 30, 2020 AMONG THE FUND, THE ADVISOR, AND THE FUNDS CHIEF COMPLIANCE OFFICER
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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">EXHIBIT (2)(k)(2)</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="text-align: center; font: bold 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0">CHIEF COMPLIANCE OFFICER<BR>

SERVICES AGREEMENT</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>THIS AGREEMENT </B>(the &#8220;Agreement&#8221;)
is made as of this 30<SUP>th</SUP> day of June, 2020 by and among the trusts listed in Appendix A (the &#8220;Trusts&#8221;), on behalf
of themselves and each of their funds (the &#8220;Funds&#8221;), John Hancock Investment Management LLC (formerly, John Hancock Advisers,
LLC) (&#8220;John Hancock&#8221;) and the Trust&#8217;s Chief Compliance Officer, Frank Knox (the &#8220;CCO&#8221;).</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0"><B>WHEREAS,
</B>Rule 38a-1 under the Investment Company Act of 1940, as amended (the &#8220;1940 Act&#8221;), requires each Trust to: (i) establish
a compliance program that is reasonably designed to prevent violations of the Federal Securities Laws (as defined in Rule 38a-1); and
(ii) designate an individual to serve as the CCO, with overall responsibility for administering the Trust&#8217;s compliance program;</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0"><B>WHEREAS,
</B>each Trust desires to retain the CCO to provide the services set forth below to the Trust and each of its Funds and the CCO is willing
to furnish such services in the manner and on the terms hereinafter set forth; and</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>WHEREAS, </B>each Trust desires
to retain John Hancock to provide administrative services to the CCO as described below and John Hancock is willing to furnish such services
in the manner and on the terms hereinafter set forth.</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>NOW, THEREFORE, </B>each Trust, the
CCO and John Hancock hereby agree as follows:</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>CCO
and CCO Services</U>. </B>Subject to the general supervision of the Boards of Trustees of the Trusts (the &#8220;Board&#8221;), the CCO
will provide the Trusts and each of the Funds the CCO services set forth below as are reasonably necessary for the operation of the Trusts
and each Fund (the &#8220;CCO Services&#8221;). The CCO Services include, but are not limited to:</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 42pt"></TD><TD STYLE="width: 36pt">(1)</TD><TD STYLE="text-align: justify">coordinating the implementation of policies and procedures reasonably designed to prevent violation of
federal securities laws by the Funds, including policies and procedures that provide for the oversight of compliance by each investment
adviser, subadviser, principal underwriter, administrator, and transfer agent of the Funds;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 42pt"></TD><TD STYLE="width: 36pt">(2)</TD><TD STYLE="text-align: justify">reviewing, at least annually, the adequacy of the policies and procedures of the Funds and each investment
adviser, subadviser, principal underwriter, administrator and transfer agent of the Funds; and</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 42pt"></TD><TD STYLE="width: 36pt">(3)</TD><TD STYLE="text-align: justify; padding-right: 5.85pt">providing, at least annually, a written report to the Board that at minimum, addresses:</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 78pt"></TD><TD STYLE="width: 36pt">(a)</TD><TD STYLE="padding-left: 0; text-align: justify; padding-right: 0">the operation of the policies and procedures of the Funds and each investment adviser,
subadviser, principal underwriter, administrator, and transfer agent of the Funds, any material changes made to those policies and procedures
since the date of the last report, and any material changes to the policies and procedures recommended as a result of the annual review
described in Section 1.2 above; and</TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 3.95pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 78pt"></TD><TD STYLE="width: 35.95pt">(b)</TD><TD STYLE="padding-right: 23.15pt">each material compliance matter that occurred since the date of the last report.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 42.05pt"></TD><TD STYLE="width: 35.95pt">(4)</TD><TD STYLE="text-align: justify">Monitoring of post-trade compliance of each Fund with applicable regulatory requirements.</TD></TR></TABLE>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In connection with the provision of
the CCO Services by the CCO, John Hancock will at the expense of the Trusts:</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 42.05pt"></TD><TD STYLE="width: 35.6pt">(1)</TD><TD STYLE="text-align: justify; padding-right: 8.45pt">either provide such staff and personnel to the CCO as are reasonably necessary
to perform the CCO Services or assist the CCO in hiring such staff and personnel;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.45pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 42.05pt"></TD><TD STYLE="width: 35.6pt">(2)</TD><TD STYLE="text-align: justify; padding-right: 5.9pt">provide the Trusts with all office space, office equipment, utilities and other
office support as the CCO may reasonably request to perform the CCO Services (&#8220;Office Support&#8221;);</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 42.05pt"></TD><TD STYLE="width: 35.6pt">(3)</TD><TD STYLE="text-align: justify; padding-right: 6pt">provide the CCO with computer hardware and software (and the development thereof)
used to support CCO Services and IT support relating to such computer hardware and software; and</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 42.05pt"></TD><TD STYLE="width: 35.6pt">(4)</TD><TD STYLE="text-align: justify; padding-right: 5.75pt">provide the CCO with such other services as the CCO may reasonably request in order
to perform his or her duties as the CCO of the Funds including, without limitation, services provided by third parties such as Charles
River, Diligence Vault and Bloomberg that are related to John Hancock&#8217;s provision of CCO Services to the Funds;</TD></TR></TABLE>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0">Expenses of
providing the services set forth in (1) through (4) above to be paid by the Trust include overhead expenses (including Manulife Financial
Corporation (&#8220;Manulife&#8221;) corporate overhead) related to Office Support and personnel who provide services to each Fund pursuant
to this Agreement (the &#8220;Reimbursement&#8221;), provided that overhead expenses related to Office Support shall not exceed levels
that are allocated ordinarily to other Manulife business units. John Hancock shall determine, subject to Board approval, the expenses
to be reimbursed by each Fund pursuant to this Agreement (the &#8220;Reimbursement&#8221;); provided, however, that such expenses shall
not exceed levels that are fair and reasonable in light of the usual and customary charges made by others for services of the same nature
and quality. The Reimbursement shall be calculated and paid monthly in arrears.</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The CCO Services do not include services
performed and personnel provided pursuant to contracts with the Trust or the Funds by third-party custodians, transfer agents and other
service providers.</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Compensation</U>.
</B>In consideration for the CCO Services provided by the CCO pursuant to this Agreement, each Fund will pay the CCO such compensation
as may be approved by the Board in accordance with Rule 38a-1 from time to time. Any services provided to the CCO or the Funds relating
to the CCO Services by a person or entity other than John Hancock and its affiliates, including, without limitation, services provided
by attorneys not affiliated with John Hancock, are not covered under this Agreement and are an expense of the Funds.</P>


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<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Partnership or Joint Venture</U>. </B>Each Trust, on behalf of itself and each of its Funds, John Hancock and the CCO are not partners
of or joint venturers with each other, and nothing herein shall be construed so as to make any of the Trusts, on behalf of itself or any
of its Funds, John Hancock or the CCO partners or joint venturers or impose any liability as such on the Trust, any Fund, John Hancock
or the CCO.</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Limitation
of Liability</U>. </B>Neither the CCO nor John Hancock shall be liable for any error of judgment or mistake of law or for any loss suffered
by the Funds in connection with the matters to which this Agreement relates, except losses resulting from willful misfeasance, bad faith
or negligence by the CCO or John Hancock in the performance of its duties or from reckless disregard by the CCO or John Hancock of its
obligations under this Agreement. Any person, even though also employed by John Hancock, who may be or become an employee of and paid
by any of the Trusts shall be deemed, when acting within the scope of his or her employment by the Trust, to be acting in such employment
solely for the Trusts and not as John Hancock&#8217;s employee or agent.</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Duration
and Termination of Agreement</U>. </B>This Agreement shall remain in effect until the second anniversary of the date on which it was executed,
and from year to year thereafter, but only so long as such continuance is specifically approved at least annually by a majority of the
Board and a majority of the Independent Trustees. The Agreement may be terminated: (a) at any time on written notice without the payment
of any penalty by any of the Trusts on behalf of itself or any of its Funds (by vote of a majority of the Trustees of the Trust); or (b)
on 30 days&#8217; written notice to the Trusts by the CCO or John Hancock.</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendment</U>.
</B>No provision of this Agreement may be amended, waived, discharged or terminated except by an instrument in writing signed by the party
against which enforcement of the amendment, waiver, discharge or termination is sought.</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing
Law</U>. </B>This Agreement shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts without
regard to the choice of law provisions thereof.</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Miscellaneous</U>.
</B>The captions in this Agreement are included for convenience of reference only and in no way define or limit any of the provisions
of this Agreement or otherwise affect their construction or effect. This Agreement may be executed simultaneously in two or more counterparts,
each of which shall be deemed an original, but all of which together shall constitute one and the same instrument. A copy of the Declaration
of Trust of each Trust which is organized as a Massachusetts business trust is on file with the Secretary of State of the Commonwealth
of Massachusetts and provides that no Trustee, shareholder, officer, employee or agent of the Trust shall be subject to any personal liability
in connection with Trust property or the affairs of the Trust, but that only the assets belonging to the Trust, or to the particular Fund
with respect to which an obligation or claim arose, shall be liable.</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Execution</U>.
</B>This Agreement and any amendments hereto and any notices or other communications hereunder that are required to be in writing may
be in electronic form (including without limitation by facsimile and, in the case of notices and other communications, email) and may
be executed by means of electronic signatures.</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0">(THE REMAINDER OF THIS SPACE HAS BEEN INTENTIONALLY LEFT
BLANK)</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0"><B>IN WITNESS WHEREOF, </B>the undersigned
have caused this Agreement to be executed by authorized officers as of the date first written above.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #111111">/s/ Frank Knox</FONT></TD>
    <TD STYLE="width: 17%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 35%; padding-top: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Frank Knox</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">CCO of the Trusts</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>JOHN HANCOCK INVESTMENT MANAGEMENT LLC</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0"><B><I>(formerly, John Hancock Advisers, LLC)</I></B></P></TD>
    <TD><B>&nbsp;</B></TD>
    <TD COLSPAN="2"><B>&nbsp;</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #111111">/s/ Jay Aronowitz</FONT></TD>
    <TD STYLE="width: 17%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 35%; padding-top: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Jay Aronowitz</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Chief Investment Officer</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">BY ALL THE TRUSTS LISTED IN APPENDIX A</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #111111">/s/ Andrew G. Arnott</FONT></TD>
    <TD STYLE="width: 17%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 35%; padding-top: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Andrew G. Arnott</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">President and Chief Executive Officer</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

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<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>APPENDIX A</U></B></P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">JOHN HANCOCK BOND TRUST</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">JOHN HANCOCK CALIFORNIA TAX-FREE INCOME FUND</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 0; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">JOHN HANCOCK
CAPITAL SERIES</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">JOHN HANCOCK COLLATERAL TRUST</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">JOHN
HANCOCK CURRENT INTEREST</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-indent: 0; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-indent: 0; margin: 0">JOHN HANCOCK EXHANGE-TRADED FUND TRUST</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 0; margin: 0"><B>&nbsp;</B></P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">JOHN HANCOCK FINANCIAL OPPORTUNITIES FUND</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 0; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">JOHN HANCOCK
FUNDS II</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 0; margin: 0">JOHN HANCOCK FUNDS III</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">JOHN HANCOCK HEDGED EQUITY &amp; INCOME FUND</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 0; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">JOHN HANCOCK
INCOME SECURITIES TRUST</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 0; margin: 0">JOHN HANCOCK INVESTMENT TRUST</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 0; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">JOHN HANCOCK INVESTMENT TRUST
II</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">JOHN HANCOCK INVESTORS TRUST</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 0; margin: 0">JOHN HANCOCK MUNICIPAL SECURITIES TRUST</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">JOHN HANCOCK PREFERRED
INCOME FUND</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">JOHN HANCOCK PREFERRED INCOME FUND II</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">JOHN HANCOCK PREFERRED INCOME FUND III</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">JOHN HANCOCK PREMIUM DIVIDEND FUND</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">JOHN HANCOCK
SOVEREIGN BOND FUND</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 0; margin: 0">JOHN HANCOCK STRATEGIC SERIES</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">JOHN HANCOCK TAX-ADVANTAGED DIVIDEND INCOME FUND</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">JOHN HANCOCK TAX-ADVANTAGED GLOBAL SHAREHOLDER YIELD FUND</P>



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<TYPE>EX-99.(2)(K)(3)
<SEQUENCE>18
<FILENAME>jhfof-html3755_ex992k3.htm
<DESCRIPTION>SERVICE AGREEMENT FOR TRANSFER AGENT SERVICES DATED JUNE 1, 2002 WITH COMPUTERSHARE INC
<TEXT>
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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0pt; text-align: right">EXHIBIT (2)(k)(3)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 6pt; text-align: right"></P>

<P STYLE="margin: 0"><IMG SRC="image_010.jpg" ALT="" STYLE="width: 216px; height: 97px"></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">&nbsp;</P>

<P STYLE="font: italic bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">SERVICE AGREEMENT</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><I>FOR</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><I>TRANSFER AGENT SERVICES</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><I>TO</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-decoration: none"><I>JOHN HANCOCK
PATRIOT PREMIUM DIVIDEND FUND I</I></FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><I>JOHN HANCOCK PATRIOT PREMIUM DIVIDEND FUND II</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><I>JOHN HANCOCK PATRIOT PREFERRED DIVIDEND FUND</I></B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><I>JOHN HANCOCK PATRIOT GLOBAL DIVIDEND FUND</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><I>JOHN HANCOCK PATRIOT SELECT DIVIDEND TRUST</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><I>JOHN HANCOCK INVESTORS TRUST</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><I>JOHN HANCOCK INCOME SECURITIES TRUST</I></B></P>

<P STYLE="font: italic bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">JOHN HANCOCK BANK AND THRIFT OPPORTUNITY
FUND</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: left; text-indent: 0.1in">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>THIS
TRANSFER AGENT AGREEMENT </B>(this &#8220;Agreement&#8221;) between <FONT STYLE="letter-spacing: 0pt">John Hancock Patriot Premium Dividend
Fund I, John Hancock Patriot Premium Dividend Fund II, John Hancock Patriot Preferred Dividend Fund, John Hancock Patriot Global Dividend
Fund, John Hancock Patriot Select Dividend Trust, John Hancock Investors Trust, John Hancock Income Securities Trust, John Hancock Bank
And Thrift Opportunity Fund, each a Massachusetts Business Trust, a Maryland corporation</FONT> (each a &#8220;Client&#8221; and collectively
the &#8220;Clients&#8221;) and Mellon Investor Services LLC, a New Jersey limited liability company (&#8220;Mellon&#8221;), is dated as
of June 1, 2002.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Appointment</I>.
</B>Clients appoint Mellon as their transfer agent, registrar and dividend disbursing agent and Mellon accepts such appointment in accordance
with the following terms and conditions for all authorized shares of each class of common stock listed in <B><I>Exhibit A</I></B> hereto
(the &#8220;Shares&#8221;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Term and Termination
of Agreement.</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0pt 0pt; text-indent: 31pt">(a) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Agreement shall commence on the date hereof and shall continue for a term of two years. Unless either party gives written notice of termination
of this Agreement at least 60 days prior to the end of the initial two year term, or any successive one year term, this Agreement shall
automatically renew for an additional one year term.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0pt 0pt; text-indent: 31pt"><FONT STYLE="letter-spacing: 0pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Agreement may be terminated at any time by either party upon a material breach of a representation, covenant or term of this Agreement
by the other which is not cured within a period not to exceed thirty (30) days after the date of written notice thereof by the other party.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0pt 0pt; text-indent: 31pt">(c) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to termination of this Agreement, Clients must provide Mellon with written instructions as to the disposition of records, as well as any
additional documentation reasonably requested by Mellon. Except as otherwise expressly provided in this Agreement, the respective rights
and duties of Clients and Mellon under this Agreement shall cease upon termination of the appointment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0pt 0pt; text-indent: 31pt"><FONT STYLE="letter-spacing: 0pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Upon
receipt of written notice of termination, </FONT>Mellon shall follow its standard procedures to facilitate the transition of services
hereunder to a successor agent, and both parties agree to <FONT STYLE="letter-spacing: 0pt">use commercially practicable efforts to effect
an orderly termination of this Agreement.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 0pt">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Duties
of Mellon. </I></B>Mellon will provide the services listed in <B><I>Exhibit B</I></B> hereto, in the performance of its duties as transfer
agent, registrar, and dividend disbursing agent.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Representations
and Warranties of Mellon and Client.</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0pt 0pt; text-indent: 31pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="letter-spacing: 0pt">Mellon
represents, warrants and covenants to Clients that:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0pt 0pt; text-indent: 65pt"><FONT STYLE="letter-spacing: 0pt">&#9;(i)&#9;
it is a limited liability company duly organized and existing and in good standing under the laws of the State of New Jersey;</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-indent: 65pt"><FONT STYLE="letter-spacing: 0pt">&#9;(ii)&#9;it
is empowered under applicable laws and by its organizational documents to enter into and perform the Transfer Agent function per this
Agreement; and</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0pt 0pt; text-indent: 65pt"><FONT STYLE="letter-spacing: 0pt">&#9;(iii)&#9;all
requisite corporate proceedings have been taken to authorize it to enter into and perform this Agreement.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0pt 0pt; text-indent: 31pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;each
Client represents, warrants and covenants to Mellon that:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 65pt">(i) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Shares issued and outstanding on the date hereof have been duly authorized, validly issued and are fully paid and are non-assessable;
and any Shares to be issued hereunder, when issued, shall have been duly authorized, validly issued and fully paid and will be non-assessable;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0 0pt; text-indent: 65pt">(ii) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Shares issued and outstanding on the date hereof have been duly registered under the Securities Act of 1933, as amended, and such registration
has become effective, or are exempt from such registration; and have been duly registered under the Securities Exchange Act of 1934, as
amended, or are exempt from such registration;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0 0pt; text-indent: 65pt">(iii) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;any
Shares to be issued hereunder, when issued shall have been duly registered under the Securities Act of 1933, as amended, and such registration
shall have become effective or shall be exempt from such registration; and shall have been duly registered under the Securities Exchange
Act of 1934, as amended, or shall be exempt from such registration;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 65pt">(iv) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;such
Client has paid or caused to be paid all taxes, if any, that were payable upon or in respect of the original issuance of the Shares issued
and outstanding on the date hereof;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 65pt">(v) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
execution and delivery of this Agreement, and the issuance and any subsequent transfer of the Shares hereunder, do not and will not conflict
with, violate, or result in a breach of, the terms, conditions or provisions of, or constitute a default under, the charter or the by-laws
of such Client, any law or regulation, any order or decree of any court or public authority having jurisdiction, or any mortgage, indenture,
contract, agreement or undertaking to which such Client is a party or by which it is bound; and this Agreement is enforceable against
such Client in accordance with its terms, except as may be limited by bankruptcy, insolvency, moratorium, reorganization and other similar
laws affecting the enforcement of creditors&#8217; rights generally; and</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 65pt">(vi) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;such
Client shall provide the documentation and notifications listed in <B><I>Exhibit C</I></B> hereto. Such Client further agrees to deliver
an opinion of counsel as provided in Exhibit C, Section 7(a) and (b) upon any future original issuance of Shares for which Mellon will
act as transfer agent hereunder.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">5.<I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Compensation and
Expenses. </B></I>Each Client shall compensate Mellon for its services hereunder in accordance with the fee schedules listed in <B><I>Exhibit
D</I></B> hereto. In accordance with <B><I>Exhibit D</I></B> hereto, each Client shall reimburse Mellon for all reasonable expenses, disbursements
or advances incurred by it in accordance herewith. All amounts owed to Mellon hereunder are due upon receipt of the invoice. Delinquent
payments are</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0">subject to a late payment charge of one and one half percent (1.5%)
per month commencing forty-five (45) days from the invoice date. Clients agree to reimburse Mellon for any reasonable attorney&#8217;s
fees and any other costs associated with collecting delinquent payments.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">6. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Scope of Agency.</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 31pt">(a) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mellon
shall act solely as agent for Clients under this Agreement and owes no duties hereunder to any other person. Mellon undertakes to perform
the duties and only the duties that are specifically set forth in this Agreement, and no implied covenants or obligations shall be read
into this Agreement against Mellon.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 31pt">(b) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mellon
may rely upon, and shall be protected in acting or refraining from acting in reliance upon, (i) any Client communication authorized by
this Agreement, (ii) any communication from any predecessor Transfer Agent or co-Transfer Agent or from any Registrar (other than Mellon),
predecessor Registrar or co-Registrar, and (iii) any other written instruction, notice, request, direction, consent, report, certificate,
or other instrument, paper, document or electronic transmission believed by Mellon to be genuine and to have been signed or given by the
proper party or parties. In addition, Mellon is authorized to refuse to make any transfer it deems improper.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 31pt">(c) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mellon
may consult with counsel (including internal counsel) whose advice shall be full and complete authorization and protection in respect
of any action taken, suffered or omitted by it hereunder in good faith and in reliance thereon.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 31pt">(d) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
instructions given by a Client to Mellon orally shall be confirmed in writing by such Client as soon as practicable. Mellon shall not
be liable or responsible and shall be fully authorized and protected for acting, or failing to act, in accordance with any oral instructions
which do not conform with the written confirmation received in accordance with this Section.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 31pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mellon
may perform any of its duties hereunder either directly or by or through agents or attorneys.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 31pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mellon
shall not be obligated to take any legal action hereunder; if, however, Mellon determines to take any legal action hereunder, and, where
the taking of such legal action might in Mellon&#8217;s judgment subject or expose Mellon to any expense or liability, Mellon shall not
act unless it shall have been furnished with an indemnity satisfactory to it.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">7.<B><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Indemnification.</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 31pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Clients
shall indemnify Mellon for, and hold it harmless against, any loss, liability, claim or expense (&#8220;Loss&#8221;) arising out of or
in connection with its duties under this Agreement or this appointment, including the costs and expenses of defending itself against any
Loss or enforcing this Agreement, except to the extent that such Loss shall have been determined by a court of competent jurisdiction
to be a result of Mellon&#8217;s negligence or intentional misconduct.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-indent: 31pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mellon
shall indemnify Clients for, and hold them harmless against, any Loss arising out of or in connection with Mellon&#8217;s duties under
this Agreement or this appointment, including the costs and expenses of defending Clients against any Loss or enforcing this Agreement,
to the extent that such Loss shall have been determined by a court of competent jurisdiction to be a result of Mellon&#8217;s negligence
or intentional misconduct.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 31pt"><FONT STYLE="letter-spacing: 0pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
order that the indemnification provisions contained in this Section shall apply, upon the assertion of a claim for which one party may
be required to indemnify another, the indemnified party shall promptly notify the indemnifying party of such assertion, and shall keep
such party advised with respect to all developments concerning such claim; provided, however, that a party&#8217;s failure to so notify
or advise the other party shall not limit such other party&#8217;s indemnification obligation hereunder except to the extent that such
other party has been materially prejudiced by such failure. The indemnifying party shall have the option to participate with the indemnified
party in the defense of any such claim or to defend against said claim. In no case shall an indemnified party confess any claim or make
any compromise in any case in which an indemnifying party may be required to indemnify it except with such indemnifying party&#8217;s
written consent.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Limitation of Liability.</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 31pt">(a) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In the absence of negligence or intentional misconduct on its part, Mellon shall not be liable for any action taken, suffered, or omitted
by it or for any error of judgment made by it in the performance of its duties under this Agreement. Mellon&#8217;s liability to each
Client shall be limited in the aggregate to an amount equal to (12) times the flat monthly fee to be paid by such Client as set forth
in <B><I>Exhibit D</I></B> hereto. In no event will Mellon be liable for special, indirect, incidental or consequential loss or damages
of any kind whatsoever (including but not limited to lost profits), even if Mellon has been advised of the possibility of such damages.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 31pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event any question or dispute arises with respect to Mellon&#8217;s duties hereunder, Mellon shall not be required to act or be held
liable or responsible for its failure or refusal to act until the question or dispute has been (i) judicially settled (and, if appropriate,
Mellon may file a suit in interpleader or for a declaratory judgment for such purpose) by final judgment rendered by a court of competent
jurisdiction that is binding on all parties interested in the matter and is no longer subject to review or appeal, or (ii) settled by
a written document in form and substance satisfactory to Mellon and executed by Client. In addition, Mellon may require for such purpose,
but shall not be obligated to require, the execution of such written settlement by parties that may have an interest in the settlement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Force Majeure. </I></B>Mellon
shall not be liable for any failures, delays or losses, arising directly or indirectly out of conditions beyond its reasonable control,
including, but not limited to, acts of government, exchange or market ruling, suspension of trading, work stoppages or labor disputes,
civil disobedience, riots, rebellions, electrical or mechanical failure, computer hardware or software failure, communications facilities
failures including telephone failure, war, fires, earthquakes, storms, floods, acts of God or similar occurrences.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">10. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Market Data. </I></B>Each
Client acknowledges that Mellon may provide real-time or delayed quotations and other market information and messages (&#8220;Market Data&#8221;),
which Market Data is provided to Mellon by certain national securities exchanges and associations who assert a proprietary interest in
Market Data disseminated by them but do not guarantee the timeliness, sequence, accuracy or completeness thereof. Each Client agrees and
acknowledges that Mellon shall not be liable in any way for any loss or damage arising from or occasioned by any inaccuracy, error, delay
in, omission of, or interruption in any Market Data or the transmission thereof.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Bankruptcy; Non-payment;
Reorganization. </I></B>Subject to a reasonable opportunity for Clients to cure, Mellon may suspend transfers and/or terminate this Agreement
with respect to a Client if (i) such Client fails to pay amounts due or defaults on any of its material obligations hereunder; (ii) any
proceeding in bankruptcy, reorganization, receivership or insolvency is commenced by or against such Client, such Client shall become
insolvent, or shall cease paying its obligations as they become due or makes any assignment for the benefit of its creditors; or (iii)
such Client is acquired by or is merged with or into another entity where such Client is not the surviving company, or such Client sells
all or substantially all of its assets. Each Client agrees that if any of the foregoing events shall occur and such Client failures to
cure, all fees to which Mellon is or shall be entitled hereunder shall be immediately due and payable to Mellon. Unrealized fees will
be calculated from the termination date to the expiration date of the then current term based on the services and number of shareholders
as of the termination date.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">12<I>.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Notices. </B></I>All
notices, demands and other communications given pursuant to the terms and provisions hereof shall be in writing, shall be deemed effective
on the date of receipt, and may be sent by facsimile, overnight delivery services, or by certified or registered mail, return receipt
requested to:</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt">If to a Client:</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt">with an additional copy to:</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 12; font: 10pt Arial, Helvetica, Sans-Serif; width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">(see title page for Client names)</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">c/o John Hancock Advisers</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">101 Huntington Avenue</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Boston, MA 02199</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Attn: Susan S. Newton</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Tel: 617 375 1702</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Fax: 617 375 1770</P></TD>
    <TD STYLE="padding-top: 12; font: 10pt Arial, Helvetica, Sans-Serif; width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">[additional notice name and address]</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">None</P></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"> </P>





<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt">If to Mellon:&#9;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 5.4pt; padding-left: 5.4pt">with an additional copy to:</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 12pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Mellon Investor Services LLC</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">111 Founders Plaza &#8211; 11<SUP>th</SUP> Floor</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Hartford, CT 06108</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Attn: Lynore Leconche</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Tel: 860-282-3509</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Fax: 860-528-6472</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P></TD>
    <TD STYLE="padding-top: 12pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Mellon Investor Services LLC</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Overpeck Centre</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">85 Challenger Road</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Ridgefield Park, NJ 07660</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Attn: Legal Department</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Tel: 201-373-7155</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Fax: 201-373-7166</P></TD></TR>
  </TABLE>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0">13.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Submission to
Jurisdiction; Foreign Law.</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 31pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
Client hereby irrevocably submits to the non-exclusive jurisdiction of any New York State court sitting in New York City or the United
States District Court for the Southern District of New York and any appellate court from any thereof in any action or proceeding arising
out of or relating to this Agreement, and each Client hereby irrevocably agrees that all claims in respect of such action or proceeding
may be heard and determined in such New York State court or in such United States Federal court. Each Client hereby irrevocably waives,
to the fullest extent it may effectively do so, the defense of an inconvenient forum to the maintenance of such action or proceeding or
a defense based on the grounds of jurisdiction with respect thereto. Each Client agrees that, to the fullest extent permitted by applicable
laws, a final judgment in any such action or proceeding shall be conclusive and may be enforced in other jurisdictions by suit on the
judgment or in any other manner provided by law.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 31pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mellon
is not required hereunder to comply with the laws or regulations of any country other than the United States of America or any political
subdivision thereof. After consultation with a Client, Mellon may consult with foreign counsel, at such Client&#8217;s expense, to resolve
any foreign law issues that may arise as a result of such Client or any other applicable party being subject to the laws or regulations
of any foreign jurisdiction.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">14.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Miscellaneous.</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 31pt">(a) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Amendments.
</I></B>This Agreement may not be amended or modified in any manner except by a written agreement signed by both Clients and Mellon. Clients
and Mellon agree to enter into discussions to amend the Fee Schedule (<B><I>Exhibit D</I></B>) if the number of shareholders increases
or decreases by more than 7% in any 12 month period or the nature of services provided materially changes or if Mellon enters into Transfer
Agent contract negotiations with John Hancock Financial Services, Inc.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 31pt">(b) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Governing
Law. </I></B>This Agreement shall be governed by, construed and interpreted in accordance with the laws of the State of New York, without
regard to principles of conflicts of law.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 31pt">(c) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Survival
of Terms. </I></B>Sections 5, 7 and 8 hereof shall survive termination of this Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 31pt">(d) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Assignment.
</I></B>This Agreement may not be assigned, or otherwise transferred, in whole or in part, by either party without the prior written consent
of the other party, which the other party will not unreasonably withhold, condition or delay. Any attempted assignment in violation of
the foregoing will be void.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-indent: 31pt">(e) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Headings.
</I></B>The headings contained in this Agreement are for the purposes of convenience only and are not intended to define or limit the
contents of this Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 31pt">(f) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Severability.
</I></B>Whenever possible, each provision of this Agreement will be interpreted in such a manner as to be effective and valid under applicable
law, but if any provision of this Agreement is found to violate a law, it will be severed from the rest of the Agreement and ignored.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 31pt">(g) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Counterparts.
</I></B>This Agreement may be executed manually in any number of counterparts, each of which such counterparts, when so executed and delivered,
shall be deemed an original, and all such counterparts when taken together shall constitute one and the same original instrument.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 31pt">(h) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Entire
Agreement. </I></B>This Agreement constitutes the entire understanding of the parties with respect to the subject matter hereof and merges
all prior written or oral communications, understandings, and agreements with respect to the subject matter of this Agreement. The parties
acknowledge that the Exhibits hereto are an integral part of this Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 31pt">(i) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Benefits
of this Agreement</I></B><I>. </I>Nothing in this Agreement shall be construed to give any person or entity other than Mellon and Clients
any legal or equitable right, remedy or claim under this Agreement; but this Agreement shall be for the sole and exclusive benefit of
Mellon and Clients.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0"><FONT STYLE="letter-spacing: 0pt">15.<B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Confidentiality.</I></B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mellon
and each Client agree that they will not, at any time during the term of this Agreement or after its termination, reveal, divulge, or
make known to any person, firm, corporation or other business organization, any lists, trade secrets, cost figures and projections, profit
figures and projections, or any other secret or confidential information whatsoever, whether of Mellon or of a Client, used or gained
by Mellon or a Client during performance under this Agreement. Each Client and Mellon further covenant and agree to retain all such knowledge
and information acquired during and after the term of this Agreement respecting such lists, trade secrets, or any secret or confidential
information whatsoever in trust for the sole benefit of Mellon or the Client and their successors and assigns. The above prohibition of
disclosure shall not apply to the extent that Mellon must disclose such data to its sub-contractor or Client agent for purposes of providing
services under this Agreement, however, such sub-contractor shall be bound by the provisions of this Section.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event that any requests or demands are made for the inspection of the Shareholder records of the Client, other than request for records
of Shareholders pursuant to standard subpoenas from state or federal government authorities (e.g., in divorce and criminal actions), Mellon
will endeavor to notify the Client and to secure instructions from an authorized officer of the Client as to such inspection. Mellon expressly
reserves the right, however, to exhibit the Shareholder records to any person whenever it is advised by counsel that it may be held liable
for the failure to exhibit the Shareholder records to such person or if required by law or court order.</FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0"><FONT STYLE="letter-spacing: 0pt">16.<B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Privacy
of Consumer Information. </I></B></FONT>Whereas, it is reasonably necessary for Client to furnish to Mellon certain information about
Client customers or prospective customers (&#8220;customer information&#8221;), to enable Mellon to perform its services for Client; and
Client and/or its representative has provided and/or will provide customer information to Mellon for the purpose of performing one or
more tasks for Client; and Client is legally required to protect the confidentiality of customer information; Mellon and Client agree
as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mellon will
not disclose any customer information provided to it by or on behalf of Client to any affiliated or unaffiliated third party except to
the extent Mellon reasonably believes necessary to satisfy the purpose for which the customer information was provided to Mellon, and
provided that Mellon will take reasonable efforts to impose on such third party the same confidentiality requirements that Mellon is required
to abide by with respect to the customer information.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mellon will
not use customer information for any purpose other than the specific purpose for which it was provided to Mellon by or on behalf of Client,
and will make customer information available to its employees only as reasonably necessary to satisfy the purpose for which the customer
information was provided to Mellon.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(c) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mellon
will maintain reasonable security guidelines to ensure its ability to comply with the requirements of this Section 16.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Agreement
shall be in addition to any confidentiality provisions in any existing agreement between the parties; provided, however, that in the event
of a conflict, the provision that provides the most confidentiality or security protection for customer information shall prevail.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">[The remainder of this page has been intentionally left
blank. Signature page follows.]</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-indent: 0.5in"><B>IN WITNESS WHEREOF,</B> the parties hereto
have executed this Agreement by their duly authorized officers as of the day and year above written.</P>


<P STYLE="font: italic bold 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">JOHN HANCOCK PATRIOT PREMIUM DIVIDEND FUND I</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>JOHN HANCOCK PATRIOT PREMIUM DIVIDEND FUND II</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><I>JOHN HANCOCK PATRIOT PREFERRED DIVIDEND FUND</I></B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>JOHN HANCOCK PATRIOT GLOBAL DIVIDEND FUND</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><I>JOHN HANCOCK PATRIOT SELECT DIVIDEND TRUST</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><I>JOHN HANCOCK INVESTORS TRUST</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><I>JOHN HANCOCK INCOME SECURITIES TRUST</I></B></P>

<P STYLE="font: italic bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">JOHN HANCOCK BANK AND THRIFT OPPORTUNITY FUND</P>

<P STYLE="font: italic bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Susan S. Newton</FONT></TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 49%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Susan S. Newton</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Senior Vice President and Corporate Secretary</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>MELLON INVESTOR SERVICES LLC</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Beverly A Verrico</FONT></TD>
    <TD STYLE="width: 3%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 7%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 49%; padding-top: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Beverly A. Verrico</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Vice President</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>


<!-- Field: Page; Sequence: 10; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence -->-&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0"><IMG SRC="image_009.jpg" ALT="" STYLE="height: 40.35pt; width: 90pt"></P>
    </TD>
    <TD STYLE="width: 50%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Exhibit&nbsp;A</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>STOCK SUBJECT TO THE AGREEMENT</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 70%">
<DIV STYLE="padding: 0pt 0pt 2pt; border-bottom: Black 0.75pt solid">

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><BR>
    <BR>
    </P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Client Name</P>
</DIV></TD>
    <TD STYLE="padding: 4pt; width: 30%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; border-bottom: Black 0.75pt solid">Common Shares<BR>
    Number of Authorized <BR>
&amp; issued Shares</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; font-weight: bold; font-style: italic"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK PATRIOT PREMIUM DIVIDEND FUND I</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">14,979,601</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; font-weight: bold; font-size: 10.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I>JOHN HANCOCK PATRIOT PREMIUM DIVIDEND FUND II</I></FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15,002,724</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><I>JOHN HANCOCK PATRIOT PREFERRED DIVIDEND FUND</I></B></FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,257,200</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; font-weight: bold; font-size: 10.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I>JOHN HANCOCK PATRIOT GLOBAL DIVIDEND FUND</I></FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">8,334,700</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><I>JOHN HANCOCK PATRIOT SELECT DIVIDEND TRUST</I></B></FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">9,885,027</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><I>JOHN HANCOCK INVESTORS TRUST</I></B></FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,978,242</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><I>JOHN HANCOCK INCOME SECURITIES TRUST</I></B></FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">10,898,374</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; font-weight: bold; text-align: left; font-style: italic"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK BANK AND THRIFT OPPORTUNITY FUND</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">84,400,000</FONT></TD></TR>
  </TABLE>



<!-- Field: Page; Sequence: 11; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="text-align: center; width: 100%">A-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0"><IMG SRC="image_009.jpg" ALT="" STYLE="height: 40.35pt; width: 90pt"></P>
</TD>
    <TD STYLE="width: 50%; padding-right: 0pt; padding-left: 0pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Exhibit&nbsp;B</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>SERVICES TO BE PROVIDED</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">Account Maintenance Functions</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Opening new accounts</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Posting debits and credits</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Maintaining certificate history</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Placing and releasing stop transfer notations</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Consolidating accounts</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Coding accounts requiring special handling (e.g. &#8220;bad address,&#8221; &#8220;do not mail,&#8221; &#8220;VIP,&#8221; etc.)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Processing address changes</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Responding to shareholder correspondence</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Providing a dedicated toll-free phone number for shareholder inquiries</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Obtaining and posting Taxpayer Identification Number certifications pursuant to IDTCA regulations</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Maintaining inactive accounts for the purpose of research and tax reporting</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Closing (purging) inactive accounts that meet selective criteria</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Providing Client and its shareholders with on-line access to shareholder records</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Training on all aspects of Mellon&#8217;s stock transfer system</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Create and generate management reports which Client and Mellon agree upon.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Handle buck-slip inserts into statements or privacy statement and or special mailings.</TD></TR></TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0"><B>Security Issuance Functions</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Qualifying under the rules of the NYSE and NASDAQ/AMEX to act in the dual capacity as transfer agent and registrar</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Maintaining mail and window facilities for the receipt of transfer requests</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Maintaining and securing unissued certificate inventory and supporting documents</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Examining issuance or transfer requests to ensure that proper authority is being exercised</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Verifying (to the extent possible) that surrendered certificates are genuine and have not been altered</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Verifying that original issuances are properly authorized and have necessary regulatory approval</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>In connection with requests for transfer, verifying that Shares issued equal the amount surrendered</TD></TR></TABLE>


<!-- Field: Page; Sequence: 12; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="text-align: center; width: 100%">B-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Place and remove stop orders on Shares</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Verifying that no stop orders are held against Shares submitted for transfer</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Issuing and registering new securities</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Recording canceled and issued securities</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Canceling surrendered certificates</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Delivering completed transfers</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Processing restricted and legal transfers upon presentment of appropriate supporting documentation</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Preparing daily transfer or management summary journals</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Replacing lost, destroyed or stolen certificates provided that Mellon is in receipt of (a) evidence acceptable to it of the loss,
theft or destruction, and (b) a surety bond acceptable to Mellon sufficient to indemnify and hold it and Client harmless (charge imposed
on shareholder)</TD></TR></TABLE>



<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Proxy and Annual Meeting Functions</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Assisting in annual meeting planning</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Processing and mailing proxy material and Annual Report</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Tabulating physical proxies (both scanner and manual) returned by shareholders</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Identifying shareholders who will attend the Annual Meeting</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Providing Inspector(s) of Election for the Annual Meeting</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Supporting efforts of any proxy solicitor</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Preparing certified list of record date holders</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Preparing report of final vote</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Providing remote access to proxy tabulation system</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Maintaining an automated link with (i) DTC to redistribute record date Cede &amp; Co. share positions to participants and (ii) ADP
to receive transmissions of broker votes</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Processing omnibus proxies for respondent banks</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Cash Dividend Disbursement Functions (If Applicable)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Disburse regularly scheduled dividends for each fund as outlined in Exhibit D hereto</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Preparing and mailing checks</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Reconciling checks</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Preparing payment register in list form</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Withholding and filing taxes for non-resident aliens and others</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Filing federal tax information returns</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Processing &#8220;B&#8221; and &#8220;C&#8221; notices received from the IRS</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Mailing required statements (Form 1099DIV or Form 1042) to registered holders</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Maintaining stop payment files and issuing replacement checks</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Maintaining separate dividend addresses</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Receiving, verifying and posting funds to cover entire dividend distribution on mailing date of checks</TD></TR></TABLE>


<!-- Field: Page; Sequence: 13; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="text-align: center; width: 100%">B-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Escheatment Services</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Taking all necessary steps to establish compliance with the unclaimed property requirements of all jurisdictions that may have a claim
on escheatable property held by your organization</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Identifying specific records and property subject to reporting based upon current state statutes, rules, and regulations</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Executing state mandated due diligence mailings for lost property owners as required, organizing records into acceptable formats for
reporting, and remitting property due each state when and as required</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Obtaining penalty and interest release agreements and indemnification from future claim agreements (on property remitted) from the
states that offer such agreements</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Identifying all property that has become escheatable since the last filing date</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Reviewing the applicable state regulations to determine if there have been any changes in reporting procedures</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Reporting and remitting to each state when and as required</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Executing a mailing to all accounts with uncashed checks or RPO certificates as required by state laws</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Executing SEC mandated lost shareholder database searches</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0"><B>Quality Standards</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Establish mutually agreed upon set of service performance standards.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Provide client with monthly service performance reports and formal quarterly service performance reports for review by Board of Trustees.</TD></TR></TABLE>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Other Services (Optional Services - Subject to additional fees):</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>ACH, Direct Deposit Services</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Bank/Broker Distributions</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Confidential Proxy Voting</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="width: 18pt">&bull;</TD>
  <TD STYLE="padding: 0">Corporate Stock Buy-Backs</TD></TR>
</TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="width: 18pt">&bull;</TD>
  <TD>Custodial Services</TD></TR>
</TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Direct Purchase &amp; Dividend Reinvestment Services</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Direct Registration System/Profile Services</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Dividends &#8211; special cash dividends</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Solicitation, processing and maintenance of consents for electronic distribution of materials</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Electronic distribution of material</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="width: 18pt">&bull;</TD>
  <TD>Electronic Proxy Voting (e.g. telephone, internet, intranet)</TD></TR>
</TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Employee Stock Option Plan administration</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Employee Stock Purchase Plan Administration</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="width: 18pt">&bull;</TD>
  <TD>Escrow Services</TD></TR>
</TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Exchanges or Tender Offers</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="width: 18pt">&bull;</TD>
  <TD>Foreign Tax Re-claim</TD></TR>
</TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Solicitation, processing and maintenance of consents for delivery of materials to households</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Logistics services including document transportation, fulfillment, printing and media placement</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Mailing Quarterly or Periodic Reports</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Maintaining Mail Lists</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Odd-Lot Programs</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Proxy Solicitation</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="width: 18pt">&bull;</TD>
  <TD>Secondary Offerings or Closings</TD></TR>
</TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Special Meetings</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="width: 18pt">&bull;</TD>
  <TD>Standby Rights Agency</TD></TR>
</TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Stock Splits and Stock Dividends</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>StockWatch (beneficial owner identification)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Subscription Agent Services</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Survey Tabulation</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="width: 18pt">&bull;</TD>
  <TD>Warrant Agency</TD></TR>
</TABLE>



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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="text-align: center; width: 100%">B-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0"><IMG SRC="image_009.jpg" ALT="" STYLE="height: 40.35pt; width: 90pt"></P>
</TD>
    <TD STYLE="width: 50%; padding-right: 0pt; padding-left: 0pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Exhibit&nbsp;C</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>DOCUMENTS AND NOTIFICATIONS TO BE DELIVERED TO MELLON</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>UPON EXECUTION OF THIS AGREEMENT</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0">Client shall provide Mellon with the following:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An adequate supply of
Share certificates.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">2.</TD><TD>A copy of the resolutions adopted by the Board of Directors of Client appointing or authorizing the appointment of Mellon as Transfer
Agent and/or Registrar and Dividend Disbursing Agent, as the case may be, duly certified by the Secretary or Assistant Secretary of Client
under the corporate seal.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">3.</TD><TD>A copy of the Certificate of Incorporation of Client, and all amendments thereto, certified by the Secretary of State of the state
of incorporation.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">4.</TD><TD>A copy of the By-laws of Client as amended to date, duly certified by the Secretary of Client under the corporate seal.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">5.</TD><TD>A certificate of the Secretary or an Assistant Secretary of Client, under its corporate seal, stating that:</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0 36pt">a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;this Agreement has
been executed and delivered pursuant to the authority of Client&#8217;s Board of Directors;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0 36pt">b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the attached specimen
Share certificate(s) are in substantially the form submitted to and approved by Client&#8217;s Board of Directors for current use and
the attached specimen Share certificates for each Class of Stock with issued and outstanding Shares are in the form previously submitted
to and approved by Client&#8217;s Board of Directors for past use;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0 36pt">c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the attached list
of existing agreements pursuant to which Shares have been reserved for future issuance specifying the number of reserved Shares subject
to each such existing agreement and the substantive provisions thereof, is true and complete, or no Shares have been reserved for future
issuance.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0 36pt">d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;each shareholder
list provided is true and complete (such certification may state that it is based upon the certification of the predecessor Transfer Agent
or predecessor Registrar that prepared the list) or no Shares are outstanding;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0 36pt">e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the name of each
stock exchange upon which any of the Shares are listed and the number and identity of the Shares so listed;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0 36pt">f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the name and address
of each co-Transfer Agent, Registrar (other than Mellon) or co-Registrar for any of the Shares and the extent of its appointment, or there
are no co-Transfer Agents, Registrars (other than Mellon) or co-Registrars for any of the Shares; and</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0 36pt">g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the officer(s) of
Client, who executed this Agreement as well as any certificates or papers delivered to Mellon pursuant to this Agreement, were validly
elected to, and the incumbents of, the offices they purported to hold at the time of such execution and delivery, and that their signatures
on all documentation are genuine; and upon which is subscribed a certificate of an officer of Client, other than the officer executing
the certificate of the Secretary, stating that the person who executed the certificate of the Secretary was validly elected to, and is
the Secretary or an Assistant Secretary of Client and that his signature on the certificate is genuine.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">6.</TD><TD>A shareholder list, preferably in machine readable format, certified as true and complete by the person preparing the list, for the
issued and outstanding Shares, setting forth as to each holder, his/her name and address, tax identification number certified by the shareholder
pursuant to requirements of the Internal Revenue Code and applicable regulations, the number of Shares held, the Share certificate numbers
and the existence of any stop orders or other transfer restrictions.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;Opinion of in-house counsel for Client, addressed to Mellon, to the effect that:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0 36pt">a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Shares issued
and outstanding on the date hereof have been duly authorized, validly issued and are fully paid and are non-assessable;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0 36pt">b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Shares issued
and outstanding on the date hereof have been duly registered under the Securities Act of 1933, as amended, and such registration has become
effective, or are exempt from such registration; and have been duly registered under the Securities Exchange Act of 1934, as amended,
or are exempt from such registration;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0 36pt">c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Client has paid
or caused to be paid all taxes, if any, which were payable upon or in respect of the original issuance of the Shares issued and outstanding
on the date hereof; and</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0 36pt">d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the execution and
delivery of this Agreement and the issuance of the Shares do not and will not conflict with, violate, or result in a breach of, the terms,
conditions or provisions of, or constitute a default under, the charter or the by-laws of Client, any law or regulation, any order or
decree of any court or public authority having jurisdiction, or any mortgage, indenture, contract, agreement or undertaking to which Client
is a party or by which it is bound and this Agreement is enforceable against Client in accordance with it terms, except as limited by
bankruptcy, insolvency, moratorium, reorganization and other similar laws affecting the enforcement of creditors&#8217; rights generally.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">8.&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;A completed
Internal Revenue Service Form 2678.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>NOTIFICATION OF CHANGES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Client shall promptly notify Mellon of the following:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">1.</TD><TD>Any change in the name of Client, amendment of its certificate of incorporation or its by-laws;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">2.</TD><TD>Any change in the title of a Class of Stock from that set forth in the first column of Exhibit A;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">3.</TD><TD>Any change in the Number of Authorized Shares from that set forth in the second column of Exhibit A;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">4.</TD><TD>Any change in existing agreements or any entry into new agreements changing the Number of Authorized Shares Reserved for Future Issuance
Under Existing Agreements from that listed in the fourth column of Exhibit A hereto;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">5.</TD><TD>Any change in the number of outstanding Shares subject to stop orders or other transfer limitations;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The listing or delisting
of any Shares on any stock exchange;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">7.</TD><TD>The appointment after the date hereof of any co-Transfer Agent, Registrar (other than Mellon) or any co-Registrar for any of the Shares;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">8.</TD><TD>The merger of Client into, or the consolidation of Client with, or the sale or other transfer of the assets of Client substantially
as an entirety to, another person; or the merger or consolidation of another person into or with Client; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">9.</TD><TD>Any other change in the affairs of Client of which Mellon must have knowledge to perform properly its duties under this Agreement.</TD></TR></TABLE>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0"><IMG SRC="image_009.jpg" ALT="" STYLE="height: 40.35pt; width: 90pt"></P>
</TD>
    <TD STYLE="width: 50%; padding-right: 0pt; padding-left: 0pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Exhibit&nbsp;D</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>



<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center"><FONT STYLE="text-transform: uppercase">FEE SCHEDULE</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">TO</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">JOHN HANCOCK
bank &amp; thrift opportunities Fund</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 29%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Initial Term of Agreement:</B></FONT></TD>
    <TD STYLE="width: 71%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><U>Two (2) Years</U></FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 76%; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Annual Administrative Fee:</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 24%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$10,000</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Dividend Reinvestment Administrative Fee:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$6,300</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Active Shareholder Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Inactive Shareholder Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Dividend Reinvestment Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.00</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: justify">The above fee will be charged for all services
listed in Exhibit B and will be subject to the following annual allowances and additional charges:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 87%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of active accounts maintained</FONT></TD>
    <TD STYLE="padding: 4pt; width: 13%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,487</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of option items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of restricted items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of legal items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of&nbsp;&nbsp;mailings per year (including one enclosure)</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of cash dividends paid per fiscal year</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of semi-annual report mailings</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of reports, analyses, list or labels</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of Inspectors of Election</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of respondent bank omnibus proxies</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of certificates issued and book-entry credits </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of certificates cancelled and book-entry debits </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">300</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of DWACS</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder telephone calls handled by Interactive Voice Response System</FONT></TD>
    <TD STYLE="padding: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0pt; text-align: right; text-indent: 0pt"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0pt; text-align: right; text-indent: 0pt">50</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder telephone calls transferred out of the IVR to a Customer Service Representative</FONT></TD>
    <TD STYLE="padding: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt; text-align: right; text-indent: 6pt">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt; text-align: right; text-indent: 6pt">500</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder written or E-mail inquiries</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of Investor ServiceDirect</FONT> <FONT STYLE="font-family: Cambria Math,serif; font-size: 10pt">&#8480;</FONT> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">transactions </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of state mandated due diligence mailings for lost property, as required</FONT></TD>
    <TD STYLE="padding: 4pt">

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt; text-align: right; text-indent: 6pt">25</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of SEC mandated lost shareholder database searches</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  </TABLE>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">To the extent the above annual allowances are
exceeded, the following unit fees will apply:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 76%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each active account maintained (per year)</FONT></TD>
    <TD STYLE="padding: 4pt; width: 24%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each inactive account maintained</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">40% of active account fee</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each option issued</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$25.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each legal item processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$50.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Mailings</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">See Attached</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Lists / Labels / Analyses</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">See Attached</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each additional Inspector of Election</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,500.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each respondent bank omnibus proxy</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$100.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each DWAC delivery</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$25.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each certificate issued or cancelled</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each book-entry credit or debit posted</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each shareholder telephone call via CSR</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each shareholder telephone call via IVR</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each correspondence responding to a shareholder</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$15.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each Investor ServiceDirect transaction</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop maintained on a lost certificate (per month)</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop removed from a lost certificate </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop placed on or removed from a restricted security</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$50.00</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 8pt 0 0"><B>For the purposes of this agreement the following definitions apply</B>:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">1.</TD><TD>Investor ServiceDirect (ISD) transactions will include any shareholder transaction initiated through ISD including, but not limited
to, the following:</TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Purchasing or selling shares</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Duplicate 1099 requests</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Updating or changing consent to electronic delivery</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Forms or document requests</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Taxpayer certification</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Certificate issuance</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Update dividend reinvestment selection</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Duplicate book entry statement</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>PIN change</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">2.</TD><TD>Active and Inactive accounts will be defined as follows:</TD></TR></TABLE>

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<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Active accounts are defined as accounts with a share balance greater than zero or outstanding cash balances or taxable income that
has not yet been reported to the Internal Revenue Service.</TD></TR></TABLE>


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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">FEE SCHEDULE</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">TO</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">JOHN HANCOCK
income securities Trust</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 29%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Initial Term of Agreement:</B></FONT></TD>
    <TD STYLE="width: 71%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><U>Two (2) Years</U></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 76%; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Annual Administrative Fee:</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 24%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$18,000</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Dividend Reinvestment Administrative Fee:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$7,500</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Active Shareholder Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Inactive Shareholder Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Dividend Reinvestment Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.00</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: justify">The above fee will be charged for all services
listed in Exhibit B and will be subject to the following annual allowances and additional charges:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 87%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of active accounts maintained</FONT></TD>
    <TD STYLE="padding: 4pt; width: 13%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5,132</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of option items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of restricted items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of legal items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">75</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of&nbsp;&nbsp;mailings per year (including one enclosure)</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of cash dividends paid per fiscal year</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of semi-annual report mailings</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of reports, analyses, list or labels</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of Inspectors of Election</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of respondent bank omnibus proxies</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of certificates issued and book-entry credits </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">150</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of certificates cancelled and book-entry debits </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">900</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of DWACS</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder telephone calls handled by Interactive Voice Response System</FONT></TD>
    <TD STYLE="padding: 4pt">

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt; text-align: right; text-indent: 6pt">50</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder telephone calls transferred out of the IVR to a Customer Service Representative</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">800</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder written or E-mail inquiries</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">100</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of Investor ServiceDirect</FONT><FONT STYLE="font-family: Cambria Math,serif; font-size: 10pt">&#8480;</FONT> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">transactions </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of state mandated due diligence mailings for lost property, as required</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of SEC mandated lost shareholder database searches</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  </TABLE>



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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">To the extent the above annual allowances are
exceeded, the following unit fees will apply:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 76%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each active account maintained (per year)</FONT></TD>
    <TD STYLE="padding: 4pt; width: 24%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each inactive account maintained</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">40% of active account fee</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each option issued</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$25.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each legal item processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$50.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Mailings</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">See Attached</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Lists / Labels / Analyses</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">See Attached</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each additional Inspector of Election</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,500.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each respondent bank omnibus proxy</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$100.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each DWAC delivery</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$25.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each certificate issued or cancelled</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each book-entry credit or debit posted</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each shareholder telephone call via CSR</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each shareholder telephone call via IVR</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each correspondence responding to a shareholder</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$15.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each Investor ServiceDirect transaction</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop maintained on a lost certificate (per month)</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop removed from a lost certificate </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop placed on or removed from a restricted security</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$50.00</FONT></TD></TR>

  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0"><B>For the purposes of this agreement the following definitions apply</B>:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">1.</TD><TD>Investor ServiceDirect (ISD) transactions will include any shareholder transaction initiated through ISD including, but not limited
to, the following:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 1pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Purchasing or selling shares</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Duplicate 1099 requests</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Updating or changing consent to electronic delivery</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Forms or document requests</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Taxpayer certification</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Certificate issuance</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Update dividend reinvestment selection</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Duplicate book entry statement</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>PIN change</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">2.</TD><TD>Active and Inactive accounts will be defined as follows:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Active accounts are defined as accounts with a share balance greater than zero or outstanding cash balances or taxable income that
has not yet been reported to the Internal Revenue Service.</TD></TR></TABLE>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Inactive accounts are defined as accounts with a share balance equal to zero and no outstanding cash balances and no taxable income
to be reported to the Internal Revenue Service.</TD></TR></TABLE>


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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="text-align: center; width: 100%">D-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">FEE SCHEDULE</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">TO</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">JOHN HANCOCK
Investors Trust</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 29%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Initial Term of Agreement:</B></FONT></TD>
    <TD STYLE="width: 71%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><U>Two (2) Years</U></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 76%; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Annual Administrative Fee:</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 24%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$18,000</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Dividend Reinvestment Administrative Fee:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$7,500</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Active Shareholder Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Inactive Shareholder Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Dividend Reinvestment Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.00</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: justify">The above fee will be charged for all services
listed in Exhibit B and will be subject to the following annual allowances and additional charges:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 87%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of active accounts maintained</FONT></TD>
    <TD STYLE="padding: 4pt; width: 13%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4,428</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of option items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of restricted items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of legal items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">75</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of&nbsp;&nbsp;mailings per year (including one enclosure)</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of cash dividends paid per fiscal year</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of semi-annual report mailings</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of reports, analyses, list or labels</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of Inspectors of Election</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of respondent bank omnibus proxies</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of certificates issued and book-entry credits </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of certificates cancelled and book-entry debits </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">900</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of DWACS</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder telephone calls handled by Interactive Voice Response System</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder telephone calls transferred out of the IVR to a Customer Service Representative</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">800</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder written or E-mail inquiries</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">100</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of Investor ServiceDirect</FONT><FONT STYLE="font-family: Cambria Math,serif; font-size: 10pt">&#8480;</FONT> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">transactions </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of state mandated due diligence mailings for lost property, as required</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of SEC mandated lost shareholder database searches</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  </TABLE>


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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="text-align: center; width: 100%">D-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">To the extent the above annual allowances are
exceeded, the following unit fees will apply:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 76%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each active account maintained (per year)</FONT></TD>
    <TD STYLE="padding: 4pt; width: 24%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each inactive account maintained</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">40% of active account fee</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each option issued</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$25.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each legal item processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$50.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Mailings</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">See Attached</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Lists / Labels / Analyses</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">See Attached</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each additional Inspector of Election</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,500.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each respondent bank omnibus proxy</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$100.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each DWAC delivery</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$25.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each certificate issued or cancelled</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each book-entry credit or debit posted</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each shareholder telephone call via CSR</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each shareholder telephone call via IVR</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each correspondence responding to a shareholder</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$15.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each Investor ServiceDirect transaction</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop maintained on a lost certificate (per month)</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop removed from a lost certificate </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop placed on or removed from a restricted security</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$50.00</FONT></TD></TR>

  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0"><B>For the purposes of this agreement the following definitions apply</B>:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">1.</TD><TD>Investor ServiceDirect (ISD) transactions will include any shareholder transaction initiated through ISD including, but not limited
to, the following:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 1pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Purchasing or selling shares</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Duplicate 1099 requests</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Updating or changing consent to electronic delivery</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Forms or document requests</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Taxpayer certification</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Certificate issuance</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Update dividend reinvestment selection</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Duplicate book entry statement</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>PIN change</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">2.</TD><TD>Active and Inactive accounts will be defined as follows:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Active accounts are defined as accounts with a share balance greater than zero or outstanding cash balances or taxable income that
has not yet been reported to the Internal Revenue Service.</TD></TR></TABLE>


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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="text-align: center; width: 100%">D-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Inactive accounts are defined as accounts with a share balance equal to zero and no outstanding cash balances and no taxable income
to be reported to the Internal Revenue Service.</TD></TR></TABLE>


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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="text-align: center; width: 100%">D-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">FEE SCHEDULE</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">TO</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">JOHN HANCOCK
PATRIOT GLOBAL DIVIDEND FUND</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 29%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Initial Term of Agreement:</B></FONT></TD>
    <TD STYLE="width: 71%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><U>Two (2) Years</U></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 76%; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Annual Administrative Fee:</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 24%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$12,000</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Dividend Reinvestment Administrative Fee:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$10,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Active Shareholder Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Inactive Shareholder Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Dividend Reinvestment Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.00</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: justify">The above fee will be charged for all services
listed in Exhibit B and will be subject to the following annual allowances and additional charges:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 92%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of active accounts maintained</FONT></TD>
    <TD STYLE="padding: 4pt; width: 8%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">444</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of option items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of restricted items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of legal items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of&nbsp;&nbsp;mailings per year (including one enclosure)</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of cash dividends paid per fiscal year</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of semi-annual report mailings</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of reports, analyses, list or labels</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of Inspectors of Election</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of respondent bank omnibus proxies</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of certificates issued and book-entry credits </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of certificates cancelled and book-entry debits </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">150</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of DWACS</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder telephone calls handled by Interactive Voice Response System</FONT></TD>
    <TD STYLE="padding: 4pt">

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt; text-align: right; text-indent: 6pt">50</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder telephone calls transferred out of the IVR to a Customer Service Representative</FONT></TD>
    <TD STYLE="padding: 4pt">

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt; text-align: right; text-indent: 6pt">150</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder written or E-mail inquiries</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of Investor ServiceDirect</FONT><FONT STYLE="font-family: Cambria Math,serif; font-size: 10pt">&#8480;</FONT> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">transactions </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of state mandated due diligence mailings for lost property, as required</FONT></TD>
    <TD STYLE="padding: 4pt">

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt; text-align: right; text-indent: 6pt">25</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of SEC mandated lost shareholder database searches</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  </TABLE>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">To the extent the above annual allowances are
exceeded, the following unit fees will apply:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 76%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each active account maintained (per year)</FONT></TD>
    <TD STYLE="padding: 4pt; width: 24%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each inactive account maintained</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">40% of active account fee</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each option issued</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$25.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each legal item processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$50.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Mailings</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">See Attached</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Lists / Labels / Analyses</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">See Attached</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each additional Inspector of Election</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,500.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each respondent bank omnibus proxy</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$100.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each DWAC delivery</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$25.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each certificate issued or cancelled</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each book-entry credit or debit posted</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each shareholder telephone call via CSR</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each shareholder telephone call via IVR</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each correspondence responding to a shareholder</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$15.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each Investor ServiceDirect transaction</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop maintained on a lost certificate (per month)</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop removed from a lost certificate </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop placed on or removed from a restricted security</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$50.00</FONT></TD></TR>

  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0"><B>For the purposes of this agreement the following definitions apply</B>:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">1.</TD><TD>Investor ServiceDirect (ISD) transactions will include any shareholder transaction initiated through ISD including, but not limited
to, the following:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 1pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Purchasing or selling shares</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Duplicate 1099 requests</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Updating or changing consent to electronic delivery</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Forms or document requests</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Taxpayer certification</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Certificate issuance</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Update dividend reinvestment selection</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Duplicate book entry statement</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>PIN change</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">2.</TD><TD>Active and Inactive accounts will be defined as follows:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Active accounts are defined as accounts with a share balance greater than zero or outstanding cash balances or taxable income that
has not yet been reported to the Internal Revenue Service.</TD></TR></TABLE>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Inactive accounts are defined as accounts with a share balance equal to zero and no outstanding cash balances and no taxable income
to be reported to the Internal Revenue Service.</TD></TR></TABLE>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">FEE SCHEDULE</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">TO</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">JOHN HANCOCK
PATRIOT Preferred DIVIDEND FUND</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 29%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Initial Term of Agreement:</B></FONT></TD>
    <TD STYLE="width: 71%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><U>Two (2) Years</U></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 76%; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Annual Administrative Fee:</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 24%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$12,500</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Dividend Reinvestment Administrative Fee:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$10,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Active Shareholder Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Inactive Shareholder Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Dividend Reinvestment Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.00</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: justify">The above fee will be charged for all services
listed in Exhibit B and will be subject to the following annual allowances and additional charges:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 92%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of active accounts maintained</FONT></TD>
    <TD STYLE="padding: 4pt; width: 8%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">681</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of option items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of restricted items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of legal items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of&nbsp;&nbsp;mailings per year (including one enclosure)</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of cash dividends paid per fiscal year</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of semi-annual report mailings</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of reports, analyses, list or labels</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of Inspectors of Election</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of respondent bank omnibus proxies</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of certificates issued and book-entry credits </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of certificates cancelled and book-entry debits </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">150</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of DWACS</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder telephone calls handled by Interactive Voice Response System</FONT></TD>
    <TD STYLE="padding: 4pt">

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt; text-align: right; text-indent: 6pt">50</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder telephone calls transferred out of the IVR to a Customer Service Representative</FONT></TD>
    <TD STYLE="padding: 4pt">

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt; text-align: right; text-indent: 6pt">150</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder written or E-mail inquiries</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of Investor ServiceDirect</FONT><FONT STYLE="font-family: Cambria Math,serif; font-size: 10pt">&#8480;</FONT> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">transactions </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of state mandated due diligence mailings for lost property, as required</FONT></TD>
    <TD STYLE="padding: 4pt">

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt; text-align: right; text-indent: 6pt">25</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of SEC mandated lost shareholder database searches</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  </TABLE>



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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">To the extent the above annual allowances are
exceeded, the following unit fees will apply:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 76%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each active account maintained (per year)</FONT></TD>
    <TD STYLE="padding: 4pt; width: 24%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each inactive account maintained</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">40% of active account fee</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each option issued</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$25.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each legal item processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$50.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Mailings</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">See Attached</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Lists / Labels / Analyses</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">See Attached</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each additional Inspector of Election</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,500.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each respondent bank omnibus proxy</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$100.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each DWAC delivery</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$25.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each certificate issued or cancelled</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each book-entry credit or debit posted</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each shareholder telephone call via CSR</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each shareholder telephone call via IVR</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each correspondence responding to a shareholder</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$15.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each Investor ServiceDirect transaction</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop maintained on a lost certificate (per month)</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop removed from a lost certificate </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop placed on or removed from a restricted security</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$50.00</FONT></TD></TR>

  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 18pt 0 0"><B>For the purposes of this agreement the following definitions apply</B>:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">1.</TD><TD>Investor ServiceDirect (ISD) transactions will include any shareholder transaction initiated through ISD including, but not limited
to, the following:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 1pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Purchasing or selling shares</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Duplicate 1099 requests</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Updating or changing consent to electronic delivery</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Forms or document requests</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Taxpayer certification</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Certificate issuance</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Update dividend reinvestment selection</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Duplicate book entry statement</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>PIN change</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">2.</TD><TD>Active and Inactive accounts will be defined as follows:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Active accounts are defined as accounts with a share balance greater than zero or outstanding cash balances or taxable income that
has not yet been reported to the Internal Revenue Service.</TD></TR></TABLE>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Inactive accounts are defined as accounts with a share balance equal to zero and no outstanding cash balances and no taxable income
to be reported to the Internal Revenue Service.</TD></TR></TABLE>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 0 90pt; text-indent: -18pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">FEE SCHEDULE</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">TO</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">JOHN HANCOCK
PATRIOT PREMIUM DIVIDEND FUND I</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 24pt 0 0"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 29%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Initial Term of Agreement:</B></FONT></TD>
    <TD STYLE="width: 71%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><U>Two (2) Years</U></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 76%; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Annual Administrative Fee:</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 24%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$12,500</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Dividend Reinvestment Administrative Fee:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$10,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Active Shareholder Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Inactive Shareholder Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Dividend Reinvestment Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.00</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: justify">The above fee will be charged for all services
listed in Exhibit B and will be subject to the following annual allowances and additional charges:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 92%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of active accounts maintained</FONT></TD>
    <TD STYLE="padding: 4pt; width: 8%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,299</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of option items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of restricted items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of legal items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of&nbsp;&nbsp;mailings per year (including one enclosure)</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of cash dividends paid per fiscal year</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of semi-annual report mailings</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of reports, analyses, list or labels</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of Inspectors of Election</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of respondent bank omnibus proxies</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of certificates issued and book-entry credits </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">20</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of certificates cancelled and book-entry debits </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">300</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of DWACS</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder telephone calls handled by Interactive Voice Response System</FONT></TD>
    <TD STYLE="padding: 4pt">

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt; text-align: right; text-indent: 6pt">50</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder telephone calls transferred out of the IVR to a Customer Service Representative</FONT></TD>
    <TD STYLE="padding: 4pt">

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt; text-align: right; text-indent: 6pt">400</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder written or E-mail inquiries</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">80</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of Investor ServiceDirect</FONT><FONT STYLE="font-family: Cambria Math,serif; font-size: 10pt">&#8480;</FONT> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">transactions </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of state mandated due diligence mailings for lost property, as required</FONT></TD>
    <TD STYLE="padding: 4pt">

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt; text-align: right; text-indent: 6pt">25</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of SEC mandated lost shareholder database searches</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  </TABLE>



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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">To the extent the above annual allowances are
exceeded, the following unit fees will apply:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 76%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each active account maintained (per year)</FONT></TD>
    <TD STYLE="padding: 4pt; width: 24%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each inactive account maintained</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">40% of active account fee</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each option issued</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$25.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each legal item processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$50.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Mailings</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">See Attached</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Lists / Labels / Analyses</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">See Attached</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each additional Inspector of Election</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,500.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each respondent bank omnibus proxy</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$100.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each DWAC delivery</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$25.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each certificate issued or cancelled</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each book-entry credit or debit posted</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each shareholder telephone call via CSR</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each shareholder telephone call via IVR</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each correspondence responding to a shareholder</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$15.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each Investor ServiceDirect transaction</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop maintained on a lost certificate (per month)</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop removed from a lost certificate </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop placed on or removed from a restricted security</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$50.00</FONT></TD></TR>

  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 18pt 0 0"><B>For the purposes of this agreement the following definitions apply</B>:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">1.</TD><TD>Investor ServiceDirect (ISD) transactions will include any shareholder transaction initiated through ISD including, but not limited
to, the following:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 1pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Purchasing or selling shares</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Duplicate 1099 requests</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Updating or changing consent to electronic delivery</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Forms or document requests</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Taxpayer certification</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Certificate issuance</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Update dividend reinvestment selection</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Duplicate book entry statement</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>PIN change</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">2.</TD><TD>Active and Inactive accounts will be defined as follows:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Active accounts are defined as accounts with a share balance greater than zero or outstanding cash balances or taxable income that
has not yet been reported to the Internal Revenue Service.</TD></TR></TABLE>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Inactive accounts are defined as accounts with a share balance equal to zero and no outstanding cash balances and no taxable income
to be reported to the Internal Revenue Service.</TD></TR></TABLE>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">FEE SCHEDULE</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">TO</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">JOHN HANCOCK
PATRIOT PREMIUM DIVIDEND FUND II</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 29%; padding-top: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Initial Term of Agreement:</B></FONT></TD>
    <TD STYLE="width: 71%; padding-top: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><U>Two (2) Years</U></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 76%; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Annual Administrative Fee:</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 24%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$15,000</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Dividend Reinvestment Administrative Fee:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$10,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Active Shareholder Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Inactive Shareholder Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Dividend Reinvestment Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.00</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: justify">The above fee will be charged for all services
listed in Exhibit B and will be subject to the following annual allowances and additional charges:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 92%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of active accounts maintained</FONT></TD>
    <TD STYLE="padding: 4pt; width: 8%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">844</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of option items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of restricted items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of legal items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of&nbsp;&nbsp;mailings per year (including one enclosure)</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of cash dividends paid per fiscal year</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of semi-annual report mailings</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of reports, analyses, list or labels</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of Inspectors of Election</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of respondent bank omnibus proxies</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of certificates issued and book-entry credits </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of certificates cancelled and book-entry debits </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">200</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of DWACS</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder telephone calls handled by Interactive Voice Response System</FONT></TD>
    <TD STYLE="padding: 4pt">

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt; text-align: right; text-indent: 6pt">50</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder telephone calls transferred out of the IVR to a Customer Service Representative</FONT></TD>
    <TD STYLE="padding: 4pt">

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt; text-align: right; text-indent: 6pt">300</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder written or E-mail inquiries</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of Investor ServiceDirect</FONT><FONT STYLE="font-family: Cambria Math,serif; font-size: 10pt">&#8480;</FONT> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">transactions </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of state mandated due diligence mailings for lost property, as required</FONT></TD>
    <TD STYLE="padding: 4pt">

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt; text-align: right; text-indent: 6pt">25</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of SEC mandated lost shareholder database searches</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  </TABLE>



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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">To the extent the above annual allowances are
exceeded, the following unit fees will apply:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 76%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each active account maintained (per year)</FONT></TD>
    <TD STYLE="padding: 4pt; width: 24%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each inactive account maintained</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">40% of active account fee</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each option issued</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$25.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each legal item processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$50.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Mailings</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">See Attached</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Lists / Labels / Analyses</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">See Attached</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each additional Inspector of Election</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,500.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each respondent bank omnibus proxy</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$100.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each DWAC delivery</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$25.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each certificate issued or cancelled</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each book-entry credit or debit posted</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each shareholder telephone call via CSR</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each shareholder telephone call via IVR</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each correspondence responding to a shareholder</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$15.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each Investor ServiceDirect transaction</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop maintained on a lost certificate (per month)</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop removed from a lost certificate </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop placed on or removed from a restricted security</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$50.00</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 18pt 0 0"><B>For the purposes of this agreement the following definitions apply</B>:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">1.</TD><TD>Investor ServiceDirect (ISD) transactions will include any shareholder transaction initiated through ISD including, but not limited
to, the following:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Purchasing or selling shares</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Duplicate 1099 requests</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Updating or changing consent to electronic delivery</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Forms or document requests</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Taxpayer certification</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Certificate issuance</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Update dividend reinvestment selection</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Duplicate book entry statement</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>PIN change</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">2.</TD><TD>Active and Inactive accounts will be defined as follows:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Active accounts are defined as accounts with a share balance greater than zero or outstanding cash balances or taxable income that
has not yet been reported to the Internal Revenue Service.</TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Inactive accounts are defined as accounts with a share balance equal to zero and no outstanding cash balances and no taxable income
to be reported to the Internal Revenue Service.</TD></TR></TABLE>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">FEE SCHEDULE</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">TO</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">JOHN HANCOCK
PATRIOT SELECT DIVIDEND TRUST</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 29%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Initial Term of Agreement:</B></FONT></TD>
    <TD STYLE="width: 71%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><U>Two (2) Years</U></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 76%; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Annual Administrative Fee:</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 24%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$12,500</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Dividend Reinvestment Administrative Fee:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$10,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Active Shareholder Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Inactive Shareholder Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Fee Per Dividend Reinvestment Account:</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4.00</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: justify">The above fee will be charged for all services
listed in Exhibit B and will be subject to the following annual allowances and additional charges:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 92%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of active accounts maintained</FONT></TD>
    <TD STYLE="padding: 4pt; width: 8%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">846</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of option items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of restricted items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of legal items processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of&nbsp;&nbsp;mailings per year (including one enclosure)</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of cash dividends paid per fiscal year</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of semi-annual report mailings</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of reports, analyses, list or labels</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of Inspectors of Election</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of respondent bank omnibus proxies</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of certificates issued and book-entry credits </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of certificates cancelled and book-entry debits </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">150</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of DWACS</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder telephone calls handled by Interactive Voice Response System</FONT></TD>
    <TD STYLE="padding: 4pt">

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt; text-align: right; text-indent: 6pt">50</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder telephone calls transferred out of the IVR to a Customer Service Representative</FONT></TD>
    <TD STYLE="padding: 4pt">

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt; text-align: right; text-indent: 6pt">300</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of shareholder written or E-mail inquiries</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; padding: 4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of Investor ServiceDirect</FONT><FONT STYLE="font-family: Cambria Math,serif; font-size: 10pt">&#8480;</FONT> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">transactions </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of state mandated due diligence mailings for lost property, as required</FONT></TD>
    <TD STYLE="padding: 4pt">

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 1pt; text-align: right; text-indent: 6pt">25</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of SEC mandated lost shareholder database searches</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right; text-indent: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
  </TABLE>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">To the extent the above annual allowances are
exceeded, the following unit fees will apply:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 76%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each active account maintained (per year)</FONT></TD>
    <TD STYLE="padding: 4pt; width: 24%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each inactive account maintained</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">40% of active account fee</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each option issued</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$25.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each legal item processed</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$50.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Mailings</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">See Attached</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Lists / Labels / Analyses</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">See Attached</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each additional Inspector of Election</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,500.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each respondent bank omnibus proxy</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$100.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each DWAC delivery</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$25.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each certificate issued or cancelled</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each book-entry credit or debit posted</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each shareholder telephone call via CSR</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each shareholder telephone call via IVR</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each correspondence responding to a shareholder</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$15.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each Investor ServiceDirect transaction</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop maintained on a lost certificate (per month)</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop removed from a lost certificate </FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">For each stop placed on or removed from a restricted security</FONT></TD>
    <TD STYLE="padding: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$50.00</FONT></TD></TR>

  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 18pt 0 0"><B>For the purposes of this agreement the following definitions apply</B>:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">1.</TD><TD>Investor ServiceDirect (ISD) transactions will include any shareholder transaction initiated through ISD including, but not limited
to, the following:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 1pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Purchasing or selling shares</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Duplicate 1099 requests</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Updating or changing consent to electronic delivery</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Forms or document requests</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Taxpayer certification</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Certificate issuance</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Update dividend reinvestment selection</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Duplicate book entry statement</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>PIN change</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">2.</TD><TD>Active and Inactive accounts will be defined as follows:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Active accounts are defined as accounts with a share balance greater than zero or outstanding cash balances or taxable income that
has not yet been reported to the Internal Revenue Service.</TD></TR></TABLE>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->



<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Inactive accounts are defined as accounts with a share balance equal to zero and no outstanding cash balances and no taxable income
to be reported to the Internal Revenue Service.</TD></TR></TABLE>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>LISTS / LABELS / ANALYSES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>FEE SCHEDULE</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>(Applicable to all Clients)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0"><B>LISTS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt 4pt 4pt 36pt; width: 76%; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-weight: normal">Per name listed</FONT></TD>
    <TD STYLE="padding: 4pt; width: 24%; font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-weight: normal">$0.05</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0"><B>LABELS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt 4pt 4pt 36pt; width: 76%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Per label printed</FONT></TD>
    <TD STYLE="padding: 4pt; width: 24%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0"><B>ANALYSES</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 12pt 4pt 4pt 36pt; width: 76%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Per name passed on data base</FONT></TD>
    <TD STYLE="padding: 12pt 4pt 4pt 36pt; width: 24%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.02</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 12pt 4pt 4pt 36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Per name listed in report</FONT></TD>
    <TD STYLE="padding: 12pt 4pt 4pt 36pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">(Minimum charge for each of the above services will be $250.)</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>MAILING SERVICES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>FEE SCHEDULE</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>(Applicable to all Clients)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0"><B>ADDRESSING</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 12pt 4pt 4pt 36pt; width: 76%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Addressing mailing medium (per name)</FONT></TD>
    <TD STYLE="padding: 12pt 4pt 4pt; width: 24%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0"><B>AFFIXING</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 12pt 4pt 4pt 36pt; width: 76%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Affixing labels (per label)</FONT></TD>
    <TD STYLE="padding: 12pt 4pt 4pt; width: 24%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.04</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0"><B>INSERTING</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 12pt 4pt 4pt 36pt; width: 50%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Inserting Enclosures (Machine)</FONT></TD>
    <TD STYLE="padding: 4pt 4pt 4pt 36pt; width: 50%; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt 4pt 4pt 72pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1st Enclosure (per piece)</FONT></TD>
    <TD STYLE="padding: 4pt 4pt 4pt 72pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt 4pt 4pt 72pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2nd Enclosure (per piece)</FONT></TD>
    <TD STYLE="padding: 4pt 4pt 4pt 72pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.04</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt 4pt 4pt 72pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Each Enclosure thereafter (per piece)</FONT></TD>
    <TD STYLE="padding: 4pt 4pt 4pt 36pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.03</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0 36pt">Inserting Enclosures (Manual)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 72pt">Charge will be determined based on analysis of work to be performed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 24pt 0 6pt">(Minimum charge for any mailing will be $500.)</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt"><B>EXPENSES AND OTHER CHARGES (Applicable to all Clients)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 6pt"><I>Fees and Out of Pocket Expenses: </I>The cost of stationery
and supplies, including but not limited to transfer sheets, dividend checks, envelopes, and paper stock, together with any disbursement
for telephone, postage, mail insurance, travel for annual meeting, link-up charges for ADP and tape charges from DTC are billed in addition
to the above fees. All charges and fees, out of pocket costs, expenses and disbursements of Mellon are due and payable by Client upon
receipt of an invoice from Mellon.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt">With respect to any shareholder mailing processed by Mellon, client
shall, at least one business day prior to mail date, provide immediately available funds sufficient to cover all postage due on such mailing.
For any dividend mailing, client shall, at least one business day prior to the mail date, also provide immediately available funds sufficient
to pay the aggregate amount of dividends to be paid.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt">If Client participates in the Direct Registration System, Mellon will
provide a &#8220;sell&#8221; feature for liquidation of book-entry shares held on behalf of a shareholder. Upon receipt of a sell request
by the registered shareholder, Mellon Bank, N.A. will process the request and remit the proceeds to the shareholder in the form of a check
(less the appropriate fees). The charge for each such sale is $15.00 plus $0.12 per share or, if applicable, the fees quoted in the Client&#8217;s
stock purchase and / or dividend reinvestment plan.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0"><I>Offering Administration Fee: </I>A minimum fee of $5,000 will be
imposed for activities associated with initial public offerings (IPO&#8217;s), secondary offerings and / or closings. The fee covers the
coordination of efforts necessary between Mellon, the Client&#8217;s underwriters, the banknote company and DTC in order to effect the
closing. This fee will cover the issuance of up to 200 certificates and /or book-entry credits. Certificates and / or book-entry credits
over this amount will be billed at $2.00 each. This fee is in addition to any fees Mellon may charge for coordination of selling shareholders,
custody services and / or escrow services.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0"><I>Conversion: </I>There shall be no charge for converting the Client&#8217;s
files to Mellon&#8217;s systemunless extraordinary efforts will be required to complete the conversion, such as account history conversion
or file format conversion. Mellon will review the conversion requirements and any charge will be discussed with and approved by the Client
prior to work commencing. In addition, if an out-of-proof condition exists at the time of conversion, and such condition is not resolved
within 90 days of such conversion, Client agrees to provide Mellon with funds or shares sufficient to resolve the out-of-proof condition
promptly after the 90<SUP>th</SUP> day.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0"><I>Deconversion Fee: </I>In the event Client requests that Mellon provide
records to a successor agent, in connection with the expiration or termination of this Agreement, Client shall pay Mellon a fee for deconversion
services (e.g., providing shareholder lists</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">and files, producing and shipping records, answering successor agent
inquiries). This fee will be based on Mellon&#8217;s then-current deconversion fee schedule. Mellon may withhold the Client&#8217;s records,
reports and unused certificate stock from a successor agent pending the Client&#8217;s payment in full of all fees and expenses owed to
Mellon under this Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 6pt"><I>Legal, Technological Expenses: </I> Certain expenses may be
incurred in resolving legal matters that arise in the course of performing services hereunder. This may result in a separate charge to
cover Mellon&#8217;s expenses (including the cost of external or internal counsel) in resolving such matters; provided that any legal
expenses charged to the Clients shall be reasonable. Mellon shall use best efforts to consult with Client prior to incurring any material
expenses in accordance with this paragraph.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt">In the event any Federal regulation and/or state or local law are
enacted which require Mellon to make any technological improvements and/or modifications to its current system, Client shall compensate
Mellon, on a pro rata basis proportionate to the Client&#8217;s registered shareholder base, for the costs associated with making such
required technological improvements and/or modifications.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0"><I>Record Storage:</I> Monthly fee of $2.50 per box, with a minimum
charge of $50.00.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0"><I>Lost Shareholder Services:</I> A fee of $3.00 will be charged for
each lost account searched per database searched. A fee of $2.50 will be charged per account for each state mandated due diligence mailing.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0"><I>Other Services: </I>Fees for any services provided to Client by
or on behalf of Mellon hereunder that are not set forth in <B><I>Exhibit B</I></B> hereto or in this <B><I>Exhibit D</I></B> will be based
on Mellon&#8217;s standard fees at the time such services are provided or, if no standard fees have been established, an appraisal of
the work to be performed.</P>



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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(2)(K)(3)(A)
<SEQUENCE>19
<FILENAME>jhfof-html3755_ex992k3a.htm
<DESCRIPTION>AMENDMENT DATED JULY 1, 2007 TO THE SERVICE AGREEMENT FOR TRANSFER AGENT SERVICES
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
</HEAD>
<BODY>


<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">EXHIBIT (2)(k)(3)(a)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>AMENDMENT TO</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>JOHN HANCOCK CLOSED END
FUNDS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>SERVICE AGREEMENT</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>FOR</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>TRANSFER AGENT SERVICES</B></P>


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<P STYLE="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 2.4pt; background-color: white">THIS AMENDMENT (this &#8220;Amendment&#8221;),
dated July 1, 2007, is entered into between Mellon Investor Services LLC, a New Jersey limited liability company (&#8220;Mellon&#8221;),
and John Hancock Patriot Premium Dividend Fund I, John Hancock Patriot Premium Dividend Fund II, John Hancock Patriot Preferred Dividend
Fund, John Hancock Patriot Global Dividend Fund, John Hancock Patriot Select Dividend Trust, John Hancock Investors Trust, John Hancock
Income Securities Trust, John Hancock Bank and Thrift Opportunity Fund, John Hancock Preferred Income Fund I, John Hancock Preferred Income
Fund II, John Hancock Preferred Income Fund III and John Hancock Tax-Advantaged Dividend Income Fund, each a Massachusetts Business Trust
and a Maryland corporation (each a &#8220;Client&#8221; and collectively the &#8220;Clients&#8221;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 2.4pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">WHEREAS, Mellon and the Clients
entered into that certain Service Agreement for Transfer Agent Services dated June 1, 2002, as amended (the &#8220;Agreement&#8221;),
pursuant to which Mellon is providing transfer agent and related services to the Clients. Capitalized terms used herein, but not otherwise
defined herein, shall have the meanings set forth in the Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">WHEREAS, John Hancock Patriot
Premium Dividend Fund I, John Hancock Patriot Global Dividend Fund and John Hancock Patriot Preferred Dividend Fund (collectively, the
&#8220;Terminated Funds&#8221;) have merged into John Hancock Patriot Premium Dividend Fund II, and Mellon and Clients desire to amend
the Agreement as provided in this Amendment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">NOW THEREFORE, in consideration
of the mutual conditions and agreements set forth herein, and for other good and valuable consideration, the receipt and sufficiency of
which is hereby acknowledged, the parties hereto agree as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">1.</TD><TD STYLE="text-align: justify"><U>Amendments</U>.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify; text-indent: -36pt; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">(a)</TD><TD STYLE="text-align: justify">The Agreement, including the applicable Exhibits, is hereby terminated solely with respect to the Terminated
Funds.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-align: justify; text-indent: -36pt; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">(b)</TD><TD STYLE="text-align: justify">Exhibit D of the Agreement is amended to replace the Fee Schedule to John Hancock Patriot Premium Dividend
Fund II with the revised Exhibit D-l attached hereto.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 72pt; text-align: justify; text-indent: -36pt; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">(c)</TD><TD STYLE="text-align: justify">Exhibit D of the Agreement is hereby amended to replace the Investor Plan Services Fee Schedule for each
of the Clients with revised Exhibit D-2 attached hereto.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">2.</TD><TD><U>Term of the Amendment</U>. This Amendment shall become effective on the date hereof, and shall remain in effect for so long as
the Agreement shall remain in effect.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -36pt; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">3.</TD><TD STYLE="text-align: justify"><U>Ratification</U>. Except as expressly set forth herein, the Agreement is not modified hereby and shall
remain in full force and effect in accordance with the respective provisions thereof and is in all respects ratified and affirmed.</TD></TR></TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><U>Partial Invalidity</U>.
If any provision of this Amendment is held to be invalid or unenforceable, such invalidity or unenforceability shall not invalidate this
Amendment as a whole, but this Amendment shall be construed as though it did not contain the particular provision held to be invalid or
unenforceable and the rights and obligations of the parties shall be construed and enforced only to such extent as shall be permitted
by applicable law.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white"><U>Counterparts</U>. This
Amendment may be executed in two or more counterparts, each of which, when executed and delivered, shall be deemed an original for all
purposes, but all of which together shall constitute one and the same instrument.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">IN WITNESS WHEREOF, Mellon
and the Clients have caused these presents to be duly executed as of the day and year first above written.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>MELLON INVESTOR SERVICES LLC</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 43%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 40%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/ Lynore LeConche</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Lynore LeConche</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Relationship Manager</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="4">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK PATRIOT PREMIUM DIVIDEND FUND I</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK PATRIOT PREMIUM DIVIDEND FUND II</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK PATRIOT PREFERRED DIVIDEND FUND</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK PATRIOT GLOBAL DIVIDEND FUND</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK PATRIOT SELECT DIVIDEND TRUST</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK INVESTORS TRUST</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK INCOME SECURITIES TRUST</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK BANK AND THRIFT OPPORTUNITY FUND</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK PREFERRED INCOME FUND I</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK PREFERRED INCOME FUND II</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK PREFERRED INCOME FUND III</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>JOHN HANCOCK TAX-ADVANTAGED DIVIDEND INCOME FUND</B></P></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 43%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 40%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/ Alfred P.
    Ouellette</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Alfred P. Ouellette</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Assistant Secretary</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; text-align: center; background-color: white"><B>Exhibit D-l FEE SCHEDULE
TO</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 174.7pt; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0; background-color: white"><B>John Hancock Patriot Premium
Dividend II</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 174.7pt; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 69%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Initial Term of Agreement:</B></FONT></TD>
    <TD STYLE="width: 31%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">One (1) Year</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Fees Not Subject to Increase</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">One (1) Year</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(During initial term only)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Administration &amp; Account Maintenance</B></FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Administration </B>(Per month)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Mellon will assign a Client Service Manager to consult with Client on all facets of stock transfer administration, including, but not limited to, securities regulations, transfer requirements, structuring of annual meetings, stock option exercises, cash and stock dividends, etc.</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">OFAC Reporting Fee (Per month)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><I>(the Administration and Account
    Maintenance fees cover all of the services, and are subject to the allowances, listed below)</I></FONT></TD>
    <TD STYLE="padding-right: 164.15pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Allowance</B></FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Fee</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Number of active accounts maintained</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$/year</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Number of inactive accounts maintained</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">% of</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Active&nbsp;a/c Fee</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Number of dividend reinvestment accounts maintained</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Number of legal review items processed</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Number of certificates issued and book entry credits</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Number of certificates cancelled and book entry debits</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Number of additional mailings per year (including one enclosure)</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">See Below</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Number of reports, analyses, lists, or labels</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">See Below</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Number of Inspectors of Election</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Number of respondent bank omnibus proxies</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Number of shareholder telephone calls handled by Interactive Voice Response
    System</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Response System</P></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Number of shareholder telephone calls transferred out of the IVR to a Customer Service Representative</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Number of correspondence items responding to shareholder inquiries</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Number of Investor ServiceDirect&reg; transactions</FONT></P>
                             </TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><P STYLE="margin-top: 0; margin-bottom: 0"></P>
                             <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I>(ISD
                             transactions are defined as any shareholder transaction initiated through ISD, including, but not limited
                             to, share sales or purchases, duplicate statement or tax form requests, address or pin changes, account
                             changes or updates and certificate requests)&nbsp;</I></FONT></P></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of state mandated due diligence
    mailings for lost property , as required</FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Number of SEC mandated lost shareholder
    database searches</FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">MLink Administration fee (Electronic
    delivery of material)</FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Evote Administration fee</FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Telephone Votes</FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Internet</FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Dividend Disbursement Fee</B></FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Number of dividends processed per year (including one enclosure) <I>(the dividend disbursement fee includes all of the services listed below)</I></FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Preparing and mailing checks</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Reconciling checks</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Preparing payment register in list form</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Withholding and filing taxes for non-resident aliens and others</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Filing federal tax information returns</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Processing &#8220;B&#8221; and &#8220;C&#8221; notices received from the IRS</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Mailing required statements (Form 1099DIV or Form 1042) to registered holders</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Maintaining stop payment files and issuing replacement checks</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Maintaining separate dividend addresses</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Receiving,
    verifying and posting funds to cover entire dividend</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">distribution on mailing date of checks</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 17.5pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 17.5pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 17.5pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 134.4pt 0 170.65pt; text-align: center; text-indent: -42pt; background-color: white">John
Hancock Patriot Premium Dividend II</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">Fee Schedule - Page 2</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="border-top: Black 1pt solid; vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt; width: 90%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Escheatment Services</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt; width: 10%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Annual Compliance Services</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">SEC mandated electronic database and new address retrieval mailing</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(subject to the following minimum)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Each state mandated due diligence mailing</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(subject to the following minimum)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">In-Depth Search and Location Services</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="border-bottom: Black 1pt solid; vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><I>(Annual compliance services include all of the services listed below)</I></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Assist in establishing compliance with the unclaimed property requirements of all jurisdictions that may have a claim on escheatable property held by your organization</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Processing records and property subject to reporting based upon current state statutes, rules, and regulations</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Requesting penalty and interest release agreements and indemnification from future claim agreements (on property remitted) from the states that offer such agreements</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Identifying property that has become escheatable since the last filing date</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Assist in reviewing state regulations to determine if there have been any changes in reporting procedures</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Reporting and remitting property to states</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 134.4pt 0 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>CLIENT SERVICE DIRECT&reg; System Access</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><I><U>(the Client ServiceDirect fee
includes all of the services listed below)</U></I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 6.75pt"></TD><TD STYLE="width: 17.75pt">&#8226;</TD><TD STYLE="padding-right: 0">Providing client access to Mellon&#8217;s mainframe inquiry and internet based system for management
reporting and shareholder records</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6.7pt; background-color: white">&#8226;&#9;&nbsp;&nbsp;&nbsp;&nbsp;Providing daily data on registered
shareholders</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6.7pt; background-color: white">&#8226;&#9;&nbsp;&nbsp;&nbsp;&nbsp;Providing daily access to
proxy tabulation file during proxy season</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="border-top: Black 1pt solid; vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>DIRECT REGISTRATION/PROFILE SYSTEM</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Enrollment Fee</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Annual Surety Fee</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Stock Distribution Event - full, full and fractional shares</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">DRS Fee, per statement</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Investor directed movement of shares, each</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Broker directed movement of shares, each</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">DRS/Profile reject fee, each</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$0</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">DRS/Profile Broker Authorization Form, each</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">John Hancock Patriot Premium
Dividend II</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">Fee Schedule - Page 3</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="border-top: Black 1pt solid; vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>ACH/DIRECT DEPOSIT SERVICES</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Initial Setup Fee</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Annual Maintenance Fee</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">ACH file transmission, each distribution, per item</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Placement of Stop Payment Order</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Returns/Reversals, per occurrence</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="border-bottom: Black 1pt solid; vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><I>(Annual Maintenance includes all of the services listed below)</I></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 4pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Processing returned authorization forms</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Posting bank information to accounts</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Creating pre-note transactions and sending to clearinghouse</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Following up on rejects</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Produce and mail checks for returned items</FONT></TD>
    <TD STYLE="padding: 4pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 24.25pt; background-color: white">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">John Hancock Patriot Premium
Dividend II</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">Fee Schedule - Page 4</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->



<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white">ADDITIONAL SERVICES AVAILABLE UPON REQUEST</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="border: Black 1pt solid; width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding: 4pt; width: 70%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>SHAREHOLDER LISTS AND ANALYSES</B></FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; width: 30%; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(Minimum charge for each of the below services)</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Lists, per name listed</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Labels, per label printed</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Analysis, per name passed on database</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Analysis, per name listed in report</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Custom Lists or Analyses</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="border: Black 1pt solid; width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding: 4pt; width: 70%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>STANDARD MAILING SERVICES</B></FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top; width: 30%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(Minimum charge for each of the below services)</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Addressing mailing medium, per name</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Affixing labels, per label</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Machine Inserting</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1<SUP>st</SUP> Enclosure, per piece</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">2<SUP>nd</SUP> Enclosure, per piece</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Each Enclosure thereafter, per piece</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Manual Inserting</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="border: Black 1pt solid; width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding: 4pt; width: 70%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>OTHER SERVICES</B></FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top; width: 30%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Confidential Proxy Voting</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Dividends - Special Cash Dividends</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Electronic Distribution of Materials</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Foreign Tax Re-claim</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Householding of Annual Meeting and Other Materials</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Interactive Online Meeting Services</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Logistics Services (including document transportation, fulfillment,</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">printing and media placement)</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Mailing Quarterly or Periodic Reports</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Maintaining Mail Lists</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Secondary Offerings or Closings</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Stock Splits and Stock Dividends</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Special Meetings</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Survey Tabulation</FONT></TD>
    <TD STYLE="text-align: right; padding: 4pt; vertical-align: top">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">John Hancock Patriot Premium
Dividend II</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">Fee Schedule - Page 5</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>ADDITIONAL SERVICES PROVIDED
BY MELLON</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 100%">&nbsp;<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white">In addition to transfer agent services,
Mellon Investor Services also provides the following related services. Contact your Sales Representative or Client Service Manager for
additional information.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white">Bank/Broker Distributions</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5pt; background-color: white">Corporate Stock Buy-Back Services</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white">Custodial Services</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white">Direct Purchase &amp; Dividend Reinvestment
Services</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white">Employee Stock Option Plan Administration</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">Employee Stock Purchase Plan Administration</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white">Escrow Services</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white">Exchange or Tender Offer Processing</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white">Financial Planning Services</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">Odd-Lot Program Administration</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white">Proxy Solicitation</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white">StockWatch (beneficial owner identification)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white">Subscription Agent Services</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">Rights Agency</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">Warrant Agency&#9;</P>


</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">John Hancock Patriot Premium
Dividend II</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">Fee Schedule - Page 6</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>EXPENSES AND OTHER CHARGES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 4.55pt; text-align: justify; background-color: white"><I>Fees and Out
of Pocket Expenses: </I>The cost of stationery and supplies, including but not limited to transfer sheets, dividend checks, envelopes,
and paper stock, together with any disbursement for telephone, postage, mail insurance, travel for annual meeting, link-up charges for
ADP and tape charges from DTC are billed in addition to the above fees. All charges and fees, out of pocket costs, expenses and disbursements
of Mellon are due and payable by Client upon receipt of an invoice from Mellon.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 4.55pt; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 4.1pt; background-color: white">With respect to any shareholder mailing
processed by Mellon, Client shall, at least one business day prior to mail date, provide immediately available funds sufficient to cover
all postage due on such mailing. For any dividend mailing, Client shall, at least one business day prior to the mail date, also provide
immediately available funds sufficient to pay the aggregate amount of dividends to be paid.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 4.1pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 2.15pt; background-color: white"><I>Share Sale Program: </I>Client may
appoint Mellon to administer, through Mellon&#8217;s affiliate, Mellon Bank, N.A., a program allowing Client&#8217;s shareholders to liquidate
book-entry shares, held in the Direct Registration System (&#8220;DRS&#8221;), pursuant to the Client&#8217;s stock purchase and/or dividend
reinvestment plan. The charge for each such sale, and the process for selling such shares, shall be as described in the Client&#8217;s
plan. If Client does not have a separate stock purchase or dividend reinvestment plan, then Client hereby appoints and directs Mellon
to implement and administer, through Mellon Bank, N.A., a share selling program allowing Client&#8217;s shareholders to liquidate DRS
shares. The transaction fee for each such sale shall be $ plus $ per share. Under the program, upon receipt of a sell request by a registered
shareholder, Mellon Bank, N.A. will process the request through FutureShare Financial (&#8220;FSF&#8221;), a registered broker/dealer
and member of NASD/SIPC and an affiliate of Mellon. Proceeds of the sale will be sent to the shareholder in the form of a check (less
the transaction fee). Sale requests will typically be combined with other sale requests received from Client shareholders and shares will
be submitted in bulk to FSF for sale. Shares will be sold usually within one business day of Mellon&#8217;s receipt of the sale request,
but in no event more than five business days (except where deferral is necessary under state or federal regulations). The price per share
received by the selling shareholder will equal the market price Mellon receives for the shares (or if more than one bulk trade is executed
on the day the shares are sold, then the price per share shall equal the weighted average market price received for all Client shares
sold that day).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 2.15pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 1.45pt; background-color: white"><I>Offering Administration Fee: </I>A
minimum fee of $ will be imposed for activities associated with initial public offerings (IPO&#8217;s), secondary offerings and/or closings.
The fee covers the coordination of efforts necessary between Mellon, the Client&#8217;s underwriters, the banknote company and DTC in
order to effect the closing. This fee will cover the issuance of up to 200 certificates and/or book-entry credits. Certificates and/or
book-entry credits over this amount will be billed at $ each. This fee is in addition to any fees Mellon may charge for coordination of
selling shareholders, custody services and/or escrow services.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 1.45pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 1.2pt; background-color: white"><I>Conversion: </I>If an out-of-proof
condition exists at the time of conversion, and such condition is not resolved within 90 calendar days of such conversion, Client agrees
to provide Mellon with funds or shares sufficient to resolve the out-of-proof condition promptly after the expiration of such 90 day period.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 1.2pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5pt; background-color: white"><I>Deconversion: </I>Upon expiration
or termination of this Agreement, Client shall pay Mellon a fee for deconversion services (e.g., providing shareholder lists and files,
producing and shipping records, answering successor agent inquiries). This fee shall be based on Mellon&#8217;s then-current deconversion
fee schedule. Mellon may withhold the Client&#8217;s records, reports and unused certificate stock pending Client&#8217;s payment in full
of all fees and expenses owed to Mellon under this Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><I>Legal Expenses, System Modifications: </I>Certain
expenses may be incurred in resolving legal matters that arise in the course of performing services hereunder. This may result in a separate
charge to cover Mellon&#8217;s expenses (including the cost of external or internal counsel) in resolving such matters; provided that
any legal expenses charged to the Client shall be reasonable.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">John Hancock Patriot Premium
Dividend II</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">Fee Schedule - Page 7</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">In the event any federal, state or local laws,
rules or regulations are enacted that require Mellon to (i) make any adjustments and/or modifications to its current system, or (ii) provide
additional services to Client for which Mellon is not being compensated hereunder, then Client shall compensate Mellon (a) on a pro rata
basis proportionate to the Client&#8217;s registered shareholder base, for the costs associated with making such required adjustments
and/or modifications, or (b) according to Mellon&#8217;s standard fees established, in good faith, with respect to such additional services.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><I>Other Services: </I>Fees for any services provided
to Client by or on behalf of Mellon hereunder that are not set forth above will be based on Mellon&#8217;s standard fees at the time such
services are provided or, if no standard fees have been established, an appraisal of the work to be performed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">John Hancock Patriot Premium
Dividend II</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">Fee Schedule - Page 8</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"></P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(2)(K)(3)(B)
<SEQUENCE>20
<FILENAME>jhfof-html3755_ex992k3b.htm
<DESCRIPTION>AMENDMENT DATED SEPTEMBER 25, 2007 TO THE SERVICE AGREEMENT FOR TRANSFER AGENT SERVICES
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
</HEAD>
<BODY>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><B>EXHIBIT (2)(k)(3)(b)</B></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>AMENDMENT TO</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>JOHN HANCOCK CLOSED END
FUNDS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>SERVICE AGREEMENT</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>FOR</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>TRANSFER AGENT SERVICES</B></P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5pt; background-color: white">THIS AMENDMENT (this &#8220;Amendment&#8221;),
dated September 25, 2007, is entered into between Mellon Investor Services LLC, a New Jersey limited liability company (&#8220;Mellon&#8221;),
and John Hancock Patriot Premium Dividend Fund II, John Hancock Patriot Select Dividend Trust, John Hancock Investors Trust, John Hancock
Income Securities Trust, John Hancock Bank and Thrift Opportunity Fund, John Hancock Preferred Income Fund , John Hancock Preferred Income
Fund II, John Hancock Preferred Income Fund III, John Hancock Tax-Advantaged Dividend Income Fund (collectively, the &#8220;Existing Clients&#8221;)
and John Hancock Tax-Advantaged Global Shareholder Yield Fund (together with the Existing Clients, the &#8220;Clients&#8221;), each a
Massachusetts Business Trust and a Maryland corporation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; margin: 0 0 0 0.5pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; background-color: white">WHEREAS, Mellon and
the Existing Clients entered into that certain Service Agreement for Transfer Agent Services dated June 1, 2002, as amended (the &#8220;Agreement&#8221;),
pursuant to which Mellon is providing transfer agent and related services to the Existing Clients. Capitalized terms used herein, but
not otherwise defined herein, shall have the meanings set forth in the Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; background-color: white">WHEREAS, Mellon and
the Clients desire to amend the Agreement as provided in this Amendment to add John Hancock Tax-Advantaged Global Shareholder Yield Fund
as a Client under the Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; background-color: white">NOW THEREFORE, in consideration
of the mutual conditions and agreements set forth herein, and for other good and valuable consideration, the receipt and sufficiency of
which is hereby acknowledged, the parties hereto agree as follows:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">1.</TD><TD STYLE="text-align: justify"><U>Amendments</U>. The Agreement is hereby amended to add John Hancock Tax-Advantaged Global Shareholder
Yield Fund as a Client thereto under the same terms and conditions of the Agreement, including the Investor Plan Services Fee Schedule
set forth in Exhibit D thereto, and the Fee Schedule attached as Exhibit D hereto and hereby made part of the Agreement.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">2.</TD><TD STYLE="text-align: justify"><U>Term of the Amendment</U>. This Amendment shall become effective on the date hereof, and shall remain
in effect for so long as the Agreement shall remain in effect.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">3.</TD><TD STYLE="text-align: justify"><U>Ratification</U>. Except as expressly set forth herein, the Agreement is not modified hereby and shall
remain in full force and effect in accordance with the respective provisions thereof and is in all respects ratified and affirmed.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">4.</TD><TD STYLE="text-align: justify"><U>Partial Invalidity</U>. If any provision of this Amendment is held to be invalid or unenforceable,
such invalidity or unenforceability shall not invalidate this Amendment as a whole, but this Amendment shall be construed as though it
did not contain the particular provision held to be invalid or unenforceable and the rights and obligations of the parties shall be construed
and enforced only to such extent as shall be permitted by applicable law.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">5.</TD><TD STYLE="text-align: justify"><U>Counterparts</U>. This Amendment may be executed in two or more counterparts, each of which, when executed
and delivered, shall be deemed an original for all purposes, but all of which together shall constitute one and the same instrument.</TD></TR></TABLE>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">IN WITNESS WHEREOF, Mellon
and the Clients have caused these presents to be duly executed as of the day and year first above written.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><B>MELLON INVESTOR SERVICES LLC</B></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%; padding-top: 12pt">By:</TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid; padding-top: 12pt">/s/ Lynore LeConche</TD>
    <TD STYLE="width: 17%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 35%; padding-top: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Name:</TD>
    <TD>Lynore LeConche</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Title:</TD>
    <TD>Relationship Manager</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK PATRIOT PREMIUM DIVIDEND FUND II</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK PATRIOT SELECT DIVIDEND TRUST</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK INVESTORS TRUST</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK INCOME SECURITIES TRUST</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK BANK AND THRIFT OPPORTUNITY FUND</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK PREFERRED INCOME FUND</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK PREFERRED INCOME FUND II</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK PREFERRED INCOME FUND III</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK TAX-ADVANTAGED DIVIDEND INCOME
FUND</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK TAX-ADVANTAGED GLOBAL SHAREHOLDER
YIELD FUND</B></P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%; padding-top: 12pt">By:</TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid; padding-top: 12pt">/s/ Alfred P. Ouellette</TD>
    <TD STYLE="width: 17%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 35%; padding-top: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Name:</TD>
    <TD>Alfred P. Ouellette</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Title:</TD>
    <TD>Assistant Secretary</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>


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<DOCUMENT>
<TYPE>EX-99.(2)(K)(3)(C)
<SEQUENCE>21
<FILENAME>jhfof-html3755_ex992k3c.htm
<DESCRIPTION>AMENDMENT DATED OCTOBER 10, 2007 TO THE SERVICE AGREEMENT FOR TRANSFER AGENT SERVICES
<TEXT>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>EXHIBIT (2)(k)(3)(c)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>AMENDMENT
# 3 TO</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>JOHN
HANCOCK CLOSED END FUNDS</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>SERVICE
AGREEMENT</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>FOR</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>TRANSFER
AGENT SERVICES</B></FONT></P>


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<P STYLE="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">THIS AMENDMENT (this &#8220;#3 Amendment&#8221;), dated October 10, 2007,
is entered into between Mellon Investor Services LLC, a New Jersey limited liability company (&#8220;Mellon&#8221;) and John Hancock Patriot
Select Dividend Trust, John Hancock Patriot Premium Dividend Fund II, John Hancock Investors Trust, John Hancock Income Securities Trust,
John Hancock Bank And Thrift Opportunity Fund, John Hancock Preferred Income Fund, John Hancock Preferred Income Fund II, John Hancock
Preferred Income Fund III, John Hancock Tax-Advantaged Dividend Income Fund, and John Hancock Tax-Advantaged Global Shareholder Yield
Fund, each a Massachusetts Business Trust, a Maryland corporation (each a &#8220;Client&#8221; and collectively the &#8220;Clients&#8221;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">WHEREAS, Mellon and Client entered into that certain
Service Agreement for Transfer Agent Services dated June 1, 2002, as amended by an amendment dated July 1, 2007, and as further amendment
by an amendment dated (collectively the &#8220;Agreement&#8221;), pursuant to which Mellon is providing transfer agent and related services
to Clients. Capitalized terms used herein, but not otherwise defined herein, shall have the meanings set forth in the Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">WHEREAS, John Hancock Patriot Select Dividend Trust,
(the &#8220;Terminated Fund&#8221;) has merged into John Hancock Patriot Premium Dividend Fund II, and Mellon and Clients desire to amend
the Agreement as provided in this Amendment #3.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">NOW THEREFORE, in consideration of the mutual conditions
and agreements set forth herein, and for other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged,
the parties hereto agree as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">1.</TD><TD STYLE="text-align: justify"><U>Amendments</U>.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 27pt">(a)</TD><TD STYLE="text-align: justify">The Agreement, including the applicable Exhibits, is hereby terminated solely with respect to the Terminated
Fund.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 27pt">(b)</TD><TD STYLE="text-align: justify">Exhibit D of the Agreement is amended to replace the Fee Schedule to John Hancock Patriot Premium Dividend
Fund II with the revised Exhibit D-1 attached hereto.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">2.</TD><TD STYLE="text-align: justify"><U>Term of the Amendment</U>. This Amendment shall become effective on the date hereof, and shall remain
in effect for so long as the Agreement shall remain in effect.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">3.</TD><TD STYLE="text-align: justify"><U>Ratification</U>. Except as expressly set forth herein, the Agreement is not modified hereby and shall
remain in full force and effect in accordance with the respective provisions thereof and is in all respects ratified and affirmed.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">4.</TD><TD STYLE="text-align: justify"><U>Partial Invalidity</U>. If any provision of this Amendment is held to be invalid or unenforceable,
such invalidity or unenforceability shall not invalidate this Amendment as a whole, but this Amendment shall be construed as though it
did not contain the particular provision held to be invalid or unenforceable and the rights and obligations of the parties shall be construed
and enforced only to such extent as shall be permitted by applicable law.</TD></TR></TABLE>


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<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">5.</TD><TD STYLE="text-align: justify"><U>Counterparts</U>. This Amendment may be executed in two or more counterparts, each of which, when executed
and delivered, shall be deemed an original for all purposes, but all of which together shall constitute one and the same instrument.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">IN WITNESS WHEREOF, Mellon and Client have caused these
presents to be duly executed as of the day and year first above written.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">MELLON INVESTOR SERVICES LLC</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/
    Lynore LeConche</FONT></TD>
    <TD STYLE="width: 17%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 35%; padding-top: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Lynore LeConche</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Relationship Manager</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="text-transform: uppercase">John Hancock Patriot Premium Dividend
Fund II</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="text-transform: uppercase">John Hancock Investors Trust</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="text-transform: uppercase">John Hancock Income Securites Trust</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="text-transform: uppercase">John Hancock Bank And Thrift Opportunity
Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="text-transform: uppercase">John Hancock Preferred Income Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="text-transform: uppercase">John Hancock Preferred Income Fund
II</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="text-transform: uppercase">John Hancock Preferred Income Fund
III</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="text-transform: uppercase">John Hancock Tax-Advantaged Dividend
Income Fund</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="text-transform: uppercase">john hancock tax-advantaged GLOBAL
shareholder yield fund</FONT></P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/
    Alfred P. Ouellette</FONT></TD>
    <TD STYLE="width: 17%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 35%; padding-top: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Alfred P. Ouellette</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Assistant Secretary</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>


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<TYPE>EX-99.(2)(K)(3)(D)
<SEQUENCE>22
<FILENAME>jhfof-html3755_ex992k3d.htm
<DESCRIPTION>AMENDMENT DATED JULY 1, 2010 TO THE SERVICE AGREEMENT FOR TRANSFER AGENT SERVICES
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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: right">EXHIBIT (2)(k)(3)(d)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>AMENDMENT TO</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>JOHN HANCOCK CLOSED END
FUNDS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 35pt 0pt 0pt 1.2pt; text-align: center; background-color: white"><B>SERVICE AGREEMENT</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 0pt 1.7pt; text-align: center; background-color: white"><B>FOR</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center; background-color: white"><B>TRANSFER AGENT
SERVICES</B></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; background-color: white">THIS AMENDMENT (this
&quot;Amendment&quot;) dated as of July 1, 2010, is entered into between Mellon Investor Services LLC, a New Jersey limited liability
company (&quot;Mellon&quot;) and John Hancock Patriot Premium Dividend Fund II, John Hancock Investors Trust, John Hancock Income Securities
Trust, John Hancock Bank And Thrift Opportunity Fund, John Hancock Preferred Income Fund, John Hancock Preferred Income Fund II, John
Hancock Preferred Income Fund III, and John Hancock Tax-Advantaged Dividend Income Fund, and John Hancock Tax-Advantaged Global Shareholder
Yield Fund, each a Massachusetts Business Trust, (each a &quot;Client&quot; and collectively the &quot;Clients&quot;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; background-color: white">WHEREAS, Mellon and
the Clients entered into that certain Service Agreement for Transfer Agent Services dated June 1, 2002, as amended (the &quot;Agreement&quot;),
pursuant to which Mellon is providing transfer agent and related services to Clients. Capitalized terms used herein, but not otherwise
defined herein, shall have the meanings set forth in the Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; background-color: white">WHEREAS, Mellon and
Clients desire to amend the Agreement as provided in this Amendment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; background-color: white">NOW THEREFORE, in consideration
of the mutual conditions and agreements set forth herein, and for other good and valuable consideration, the receipt and sufficiency of
which is hereby acknowledged, the parties hereto agree as follows:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">1.</TD><TD><U>Amendments to Agreement</U></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">(a)</TD><TD STYLE="text-align: justify; padding-right: 36pt">Section 2(a) of the Agreement is hereby amended and restated in its entirety to read
as follows:</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt 72pt; text-align: justify; background-color: white">&#8220;(a) Effective
July 1, 2010, this Agreement shall continue for a term of two (2) years ending on June 30, 2012, provided however, the Clients may terminate
this Agreement at any time and without penalty on ninety (90) days written notice to Mellon.&#8221;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">(b)</TD><TD STYLE="text-align: justify">Exhibit D for each Client is hereby deleted in its entirety and replaced with the attached revised Exhibit
D.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 37pt"></TD><TD STYLE="width: 35.5pt">(c)</TD><TD STYLE="text-align: justify">Section 4(a) of the Agreement is hereby amended to add the following Section 4(a)(iv):</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 0pt 72pt; text-align: justify; background-color: white">&#8220;(iv) it
shall adopt and maintain such policies, procedures and controls reasonably designed to ensure that the performance of its obligations
as set forth in this Agreement is in compliance with all applicable rules and regulations, including, but not limited to those rules and
regulations applicable to transfer agents performing such services as described in this Agreement and applicable to customer information.&#8221;</P>


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<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">(d)</TD><TD STYLE="text-align: justify">Section 6 of the Agreement is hereby amended to add the following Section (g):</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt 72pt; text-align: justify; background-color: white">&#8220;(g) Subject
to the following sentence, Mellon shall create and maintain in complete and accurate form all books and records required of it pursuant
to its duties hereunder in accordance with all applicable laws, rules and regulations, including but not limited to records required by
the Securities Exchange Act of 1934, as amended (the &quot;1934 Act&quot;). Mellon agrees that all such records prepared or maintained
by Mellon are the property of the Client and will be preserved, maintained and made available in accordance with such applicable laws,
rules and regulations and will be surrendered to the Client promptly on and in accordance with the Client's request, provided that Mellon
retain copies of such records to the extent required by applicable law or Mellon's record retention policies.&#8221;</P>

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<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">(e)</TD><TD>Section 8 of the Agreement is hereby amended to add the following Section (c):</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt 72pt; text-align: justify; background-color: white">&#8220;(c) If
the Fund is a Massachusetts business trust, Mellon agrees that it shall have recourse only to the assets of the Client for the payment
of claims or obligations as between Mellon and the Client arising out of this Agreement, and Mellon shall not seek satisfaction of any
such claim or obligation from the trustees or shareholders of the Client in their capacity as such. In any case, each Client shall be
liable only for its own obligations to Mellon under this Agreement and shall not be jointly or severally liable for the obligations of
any other Client hereunder.&#8221;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt 72pt; text-align: justify; text-indent: -36pt; background-color: white">&#8220;(f)&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Agreement is hereby amended to add the following new Section 17:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt 72pt; text-align: justify; background-color: white">&#8220;17. <B><I>Information
Security. </I></B>As part of the services provided by Mellon hereunder, Mellon agrees that it shall take the steps and security precautions
outlined in its information security policies and procedures, a summary of which has been provided to each Client. Each Client acknowledges
that such policies and procedures are subject to change at any time by Mellon, provided that the protections afforded thereby will not
be intentionally diminished in comparison with those provided by Mellon to Client prior to such change. Mellon shall notify Client of
any unauthorized use of, or unauthorized access to, Client nonpublic personal information (as defined by applicable law) promptly upon
Mellon becoming aware of such unauthorized use or unauthorized access.&#8221;</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">2.</TD><TD><U>Term of the Amendment</U>. This Amendment shall become effective upon due execution and delivery by both parties hereto, and shall
remain in effect for so long as the Agreement shall remain in effect.</TD></TR></TABLE>


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<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">3.</TD><TD STYLE="text-align: justify"><U>Ratification</U>. Except as expressly set forth herein, the Agreement is not modified hereby and shall
remain in full force and effect in accordance with the respective provisions thereof and is in all respects ratified and affirmed.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">4.</TD><TD STYLE="text-align: justify"><U>Partial Invalidity</U>. If any provision of this Amendment is held to be invalid or unenforceable,
such invalidity or unenforceability shall not invalidate this Amendment as a whole, but this Amendment shall be construed as though it
did not contain the particular provision held to be invalid or unenforceable and the rights and obligations of the parties shall be construed
and enforced only to such extent as shall be permitted by applicable law.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">5.</TD><TD STYLE="text-align: justify"><U>Counterparts</U>. This Amendment may be executed in two or more counterparts, each of which, when executed
and delivered, shall be deemed an original for all purposes, but all of which together shall constitute one and the same instrument.</TD></TR></TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; background-color: white">IN WITNESS WHEREOF, Mellon and Clients have
caused these presents to be duly executed as of the day and year first above written.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>MELLON INVESTOR SERVICES LLC</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">By:</FONT></TD>
    <TD STYLE="width: 42%; border-bottom: Black 1pt solid; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/
    Lynore LeConche</FONT></TD>
    <TD STYLE="width: 3%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 7%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 41%; padding-top: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Lynore LeConche</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Relationship Manager</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 24pt; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK PATRIOT PREMIUM DIVIDEND FUND II</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK INVESTORS TRUST</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK INCOME SECURITIES TRUST</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK BANK AND THRIFT OPPORTUNITY FUND</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK PREFERRED INCOME FUND</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK PREFERRED INCOME FUND II</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK PREFERRED INCOME FUND III</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><B>JOHN HANCOCK TAX-ADVANTAGED DIVIDEND INCOME
FUND</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 30pt; background-color: white"><B>JOHN HANCOCK TAX-ADVANTAGED SHAREHOLDER
YIELD FUND</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">By:</FONT></TD>
    <TD STYLE="width: 42%; border-bottom: Black 1pt solid; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/
    Charles A. Rizzo</FONT></TD>
    <TD STYLE="width: 3%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 7%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 41%; padding-top: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Charles A. Rizzo</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Chief Financial Officer</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><B>Exhibit
D</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt; background-color: white"><B>STOCK TRANSFER FEE SCHEDULE</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 8.4pt 0pt 0.25pt; text-align: justify; background-color: white">The following
schedule is intended to be a comprehensive summary of the fees associated with this proposal. The pricing as listed below is valid for
ninety days from the date of submission or until &quot;date&quot;. Fees are not subject to increase during the initial term.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 68%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Initial Term of Agreement:</B></FONT></TD>
    <TD STYLE="width: 32%; padding-top: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Two (2) Years<SUP>1</SUP></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Fees Not Subject to Increase</B></FONT></TD>
    <TD STYLE="padding-top: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Two (2) Years</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 31.7pt 0 0 0.25pt; background-color: white"><B><U>Administration &amp; Account
Maintenance</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5.5pt 5.05pt 0 0.25pt; text-align: justify; background-color: white">Mellon
will assign a Client Service Manager to consult with Client on all facets of stock transfer administration, including, but not limited
to, securities regulations, transfer requirements, structuring of annual meetings, stock option exercises, cash and stock dividends, etc.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 8.9pt 0 0; background-color: white">Monthly OFAC Reporting is included in the
monthly administration and accounts maintenance fees listed below.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 22.3pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="text-align: left; padding: 4pt; width: 58%; border: Black 1pt solid; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Fund Name</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 21%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 1.9pt; text-align: center; background-color: white"><B>Administration
    &amp;</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 1.9pt; text-align: center; background-color: white"><B>Account Maintenance</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 1.9pt; text-align: center; background-color: white"><B>(per month)</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 1.9pt; text-align: center; background-color: white"><B>2010-2011</B></P></TD>
    <TD STYLE="padding: 4pt; width: 21%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>Administration &amp;</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>Account Maintenance</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>(per month)</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>2011-2012</B></P></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">John Hancock Bank &amp; Thrift (&quot;BTO&quot;)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">John Hancock Income Securities Trust (&quot;Income Securities&quot;)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">John Hancock Investors Trust (&quot;Investors Trust&quot;)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">John Hancock Patriot Premium Dividend II (&quot;Patriot Prem Div II&quot;)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">John Hancock Preferred Income (&quot;Preferred Income&quot;)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">John Hancock Preferred Income II (&quot;Preferred Income II&quot;)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">John Hancock Preferred Income III (&quot;Preferred Income HI&quot;)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">John Hancock Tax-Advantaged Global Shareholder Yield Fund (&quot;Tax-Adv. Global S/H Yield&quot;)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">John Hancock Tax-Advantaged Dividend Income Fund (&quot;Tax-Adv. Div Income&quot;)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0pt 0pt 0.25pt; background-color: white"><SUP>1</SUP> Subject to Section
2(a) of the Agreement</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0pt 0pt 0.25pt; background-color: white"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 0pt 0.25pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.7pt; background-color: white">The Administration and Account Maintenance
fees cover all of the services and are subject to the allowances listed below.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.7pt; background-color: white"><I>&nbsp;</I></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 3pt; text-indent: 0pt">&nbsp;</TD>
    <TD COLSPAN="10" STYLE="text-align: center; padding: 3pt">- <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I>All
    allowances are on a per fund basis</I></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; width: 38%; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; padding: 3pt; width: 8%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Fee</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">BTO </FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding: 3pt; width: 6%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Income Securities</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding: 3pt; width: 6%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Investors Trust</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Patriot Prem Dlv Il <SUP>(b)</SUP></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Preferred Income</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding: 3pt; width: 6%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Preferred Income II</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding: 3pt; width: 6%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Preferred Income III</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding: 3pt; width: 6%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Tax-Adv. Global S/HYield</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Tax-Adv. Div Income</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No. of Active Accounts Maintained</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$/Year</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No. of Inactive Accounts</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">% of Active A/C&nbsp;Fee</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No. of Dividend Reinvestment Accounts Maintained</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$4.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No. of Legal Review Items Processed</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No. of Certificates Issued &amp; Book Entry Credits</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No. of Certificates Cancelled &amp; Book Entry Debits</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No. of Additional Mailings per Year (including one enclosure)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">See Below</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No. of Reports, Analyses, Lists, or Labels</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">See Below</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No. of Inspectors of Election</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No. of Respondent Bank Omnibus Proxies</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No. of S/H Telephone Calls Handled by IVR System (<SUP>d)</SUP></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No. of S/H Telephone Calls Transferred from IVR to CSR (<SUP>d)</SUP></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No. of Correspondence Items Responding to S/H Inquiries</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
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    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No. of Investor ServiceDirect&reg; Transactions <SUP>(e)</SUP></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 11.3pt 0 0 0.7pt; background-color: white">(a)&nbsp;&nbsp;&nbsp;IVR
= Interactive Voice Response; CSR = Customer Service Representative</P>

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<TD STYLE="width: 0.7pt"></TD><TD STYLE="width: 18.5pt">(b)</TD><TD>ISD transactions are defined as any shareholder transaction initiated through ISD, including, but not limited to, share sales or purchases,
duplicate statement or tax form requests, address or pin changes, account changes or updates and certificate requests.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 19.2pt; text-indent: -18.5pt; background-color: white">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white">Stock Transfer
Fee</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0; background-color: white">Schedule - Page 2</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6.75pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
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    <TD STYLE="padding: 3pt; text-indent: 0pt">&nbsp;</TD>
    <TD COLSPAN="10" STYLE="text-align: center; padding: 3pt; text-indent: 0pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I>All
    allowances are on a per fund basis</I></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 3pt; width: 37%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; width: 7%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Fee</FONT></TD>
    <TD STYLE="padding: 3pt; width: 6%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">BTO</FONT></TD>
    <TD STYLE="padding: 3pt; width: 6%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Income Securities</FONT></TD>
    <TD STYLE="padding: 3pt; width: 6%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Investors Trust</FONT></TD>
    <TD STYLE="padding: 3pt; width: 6%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Patriot Prem Div II</FONT></TD>
    <TD STYLE="padding: 3pt; width: 6%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Preferred Income</FONT></TD>
    <TD STYLE="padding: 3pt; width: 6%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Preferred Income II</FONT></TD>
    <TD STYLE="padding: 3pt; width: 6%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Preferred Income III</FONT></TD>
    <TD STYLE="padding: 3pt; width: 8%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">Tax-Adv.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">Global S/H</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white">Yield</P></TD>
    <TD STYLE="padding: 3pt; width: 6%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Tax-Adv. Div Income</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No. of State Mandated Due Diligence Mailings for Lost Property</FONT></TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">S per a/c S min.</FONT></TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">No. of SEC Mandated Lost S/H Database Searches</FONT></TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$per a/c 0 min</FONT></TD>
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    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">MLink Administration Fee (Electronic delivery of material)</FONT></TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Evote Administration Fee</FONT></TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
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    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
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    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Investor / Broker Directed Movement of Shares</FONT></TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  </TABLE>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center; background-color: white">Stock Transfer Fee</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center; background-color: white">Schedule - Page 3</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6.5pt; background-color: white"><B><U>Dividend Disbursement Fee</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5.75pt 0 0 6pt; background-color: white">Number of dividends processed per
year. The dividend disbursement fee includes all of the services listed below.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 11.75pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; width: 66%; border: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Fund Name</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 34%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Included</B></FONT></TD></TR>
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    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">BTO</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Income Securities</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Investors Trust</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Patriot Prem Div II</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Preferred Income</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Preferred Income II</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Preferred Income III</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Tax-Adv. Global S/H Yield</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Tax-Adv. Div Income</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 22.8pt 0 0 23.75pt; background-color: white">Preparing and mailing checks</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 23.5pt; background-color: white">Reconciling checks</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0 23.75pt; background-color: white">Preparing payment register in list
form</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 0 0 23.75pt; background-color: white">Withholding and filing taxes for
non-resident aliens and others</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 0 0 23.75pt; background-color: white">Filing federal tax information
returns</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 23.5pt; background-color: white">Processing &quot;B&quot; and &quot;C&quot;
notices received from the IRS</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 0 0 23.5pt; background-color: white">Mailing required statements (Form
1099DIV or Form 1042) to registered holders</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 0 0 23.75pt; background-color: white">Maintaining stop payment files
and issuing replacement checks</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 0 0 23.5pt; background-color: white">Maintaining separate dividend addresses</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 0 0 23.5pt; background-color: white">Receiving, verifying and posting
funds to cover entire dividend distribution on mailing date of checks</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 0 0 23.5pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center; background-color: white">Stock Transfer Fee</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center; background-color: white">Schedule
- Page 4</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><B>Escheatment Services</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25pt; background-color: white"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 65%; padding-top: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Annual Compliance Services</FONT></TD>
    <TD STYLE="width: 35%; padding-top: 4pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">SEC Mandated Electronic Database &amp; New Address Retrieval Mailing</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$per account $</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><I>(subject to the following minimum)</I></FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$per account $</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Each state mandated due diligence mailing</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><I>(subject to the following minimum)</I></FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">In-Depth Search and Location Services</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><I>(Annual compliance services include all of the services listed below)</I></FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 16.8pt; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 6.25pt"></TD><TD STYLE="width: 17.75pt">&#8226;</TD><TD>Assist in establishing compliance with the unclaimed property requirements of all jurisdictions that may have a claim on escheatable
property held by your organization</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2.15pt 0 0 6.25pt; background-color: white">&#8226;&nbsp;&nbsp;&nbsp;&nbsp;&#9;Processing records and
property subject to reporting based upon current state statutes, rules, and regulations</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 1.45pt; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 6.25pt"></TD><TD STYLE="width: 17.75pt">&#8226;</TD><TD>Requesting penalty and interest release agreements and indemnification from future claim agreements (on property remitted) from the
states that offer such agreements</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6.25pt; background-color: white">&#8226;&nbsp;&nbsp;&nbsp;&nbsp;&#9;Identifying property that
has become escheatable since the last filing date</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6.25pt; background-color: white">&#8226;&nbsp;&nbsp;&nbsp;&nbsp;&#9;Assist in reviewing state
regulations to determine if there have been any changes in reporting procedures</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6.25pt; background-color: white">&#8226;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9;Reporting and remitting property
to states</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 19.7pt 0 0 6.25pt; background-color: white"><B>CLIENT SERVICE DIRECT&reg; System
Access&#9;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2.65pt 0 0 6.7pt; background-color: white"><I>(the Client ServiceDirect fee
includes all of the services listed below)</I></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 19.9pt; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 6.25pt"></TD><TD STYLE="width: 18pt">&#8226;</TD><TD STYLE="padding-right: 19.2pt">Providing client access to Mellon's mainframe inquiry and internet based system for management reporting
and shareholder records</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2.65pt 0 0 6.25pt; background-color: white">&#8226;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Providing daily data
on registered shareholders</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2.4pt 0 0 6.25pt; background-color: white">&#8226;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Providing daily access
to proxy tabulation file during proxy season</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 18.25pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; width: 72%; border-top: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>DIRECT REGISTRATION/PROFILE SYSTEM</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 28%; border-top: Black 1pt solid; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Enrollment Fee</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Annual Surety Fee</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Stock Distribution Event - full, full and fractional shares</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">DRS Fee, per statement</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Investor directed movement of shares, each</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Broker directed movement of shares, each</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">DRS/Profile reject fee, each</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">DRS/Profile Broker Authorization Form, each</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center; text-indent: 16.1pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center; text-indent: 16.1pt; background-color: white">Stock
Transfer Fee</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center; text-indent: 16.1pt; background-color: white">Schedule - Page 5</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 181.45pt 0pt 210.95pt; text-align: center; text-indent: 16.1pt; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; width: 74%; border-top: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>ACH/DIRECT DEPOSIT SERVICES</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 26%; border-top: Black 1pt solid; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Initial Setup Fee</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Annual Maintenance Fee</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">ACH file transmission, each distribution, per item</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Placement of Stop Payment Order</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Returns/Reversals, per occurrence</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><I>(Annual Maintenance includes all of the services listed below)</I></FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 11.05pt 0 0 24pt; background-color: white">Processing returned authorization
forms</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 0 0 24pt; background-color: white">Posting bank information to accounts</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 24pt; background-color: white">Creating pre-note transactions and sending
to clearinghouse</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 0 0 24pt; background-color: white">Following up on rejects</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 24pt; background-color: white">Produce and mail checks for returned items</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 24pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center; text-indent: 16.1pt; background-color: white">Stock
Transfer Fee</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center; text-indent: 16.1pt; background-color: white">Schedule - Page 6</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 99.1pt; background-color: white">ADDITIONAL SERVICES AVAILABLE UPON REQUEST</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5.3pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; width: 66%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>SHAREHOLDER LISTS AND ANALYSES</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 34%; border-top: Black 1pt solid; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Minimum charge for each of the below services</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Lists, per name listed</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Labels, per label printed</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Analysis, per name passed on database</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Analysis, per name listed in report</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Custom Lists or Analyses</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 16.8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; width: 66%; border-top: Black 1pt solid; border-left: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5pt; background-color: white"><B>STANDARD MAILING SERVICES</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5pt; background-color: white">Minimum charge for each of the below
    services</P></TD>
    <TD STYLE="padding: 4pt; width: 34%; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Addressing mailing medium, per name</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Affixing labels, per label</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5pt; background-color: white">Machine Inserting</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 117.6pt 0 0.5pt; text-indent: 1.2pt; background-color: white">1<SUP>st</SUP>
    Enclosure, per piece 2<SUP>nd</SUP> Enclosure, per piece Each Enclosure thereafter, per piece</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5pt; background-color: white">Manual Inserting</P></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 16.3pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; width: 74%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>OTHER SERVICES</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 26%; border-top: Black 1pt solid; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Confidential Proxy Voting</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Dividends - Special Cash Dividends</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Electronic Distribution of Materials</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Foreign Tax Re-claim</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Householding of Annual Meeting and Other Materials</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Interactive Online Meeting Services</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Logistics Services (including document transportation, fulfillment,</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">printing and media placement)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Mailing Quarterly or Periodic Reports</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Maintaining Mail Lists</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Secondary Offerings or Closings</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Stock Splits and Stock Dividends</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Special Meetings</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Survey Tabulation</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 24pt 0 0; text-align: center; text-indent: 16.1pt; background-color: white">Stock
Transfer Fee</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center; text-indent: 16.1pt; background-color: white">Schedule - Page 7</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 124.8pt; background-color: white"><B>ADDITIONAL SERVICES PROVIDED BY
MELLON</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 4.8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: white">
    <TD COLSPAN="2" STYLE="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">In addition to transfer agent services, Mellon Investor Services also provides the following related services.</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD COLSPAN="2" STYLE="border-right: Black 1pt solid; text-indent: 12pt; border-left: Black 1pt solid; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Contact your Sales Representative or Client Service Manager for additional information.</FONT> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid; width: 57%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Bank/Broker Distributions</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; width: 43%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Corporate Stock Buy-Back Services</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Custodial Services</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Direct Purchase &amp; Dividend Reinvestment Services</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Employee Stock Option Plan Administration</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Employee Stock Purchase Plan Administration</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Escrow Services</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Exchange or Tender Offer Processing</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Financial Planning Services</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Odd-Lot Program Administration</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Proxy Solicitation</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Stock Watch (beneficial owner identification)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Subscription Agent Services</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Rights Agency</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Warrant Agency</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 24pt 0 0; text-align: center; background-color: white">Stock Transfer Fee</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center; background-color: white">Schedule
- Page 8</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 3.1pt; text-align: center; background-color: white"><B>EXPENSES AND OTHER
CHARGES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 17.5pt 0 0 1.9pt; background-color: white"><I>Fees and Out of Pocket Expenses:
</I>The cost of stationery and supplies, including but not limited to transfer sheets, dividend checks, envelopes, and paper stock, together
with any disbursement for telephone, postage, mail insurance, travel for annual meeting, link-up charges for ADP and tape charges from
DTC are billed in addition to the above fees. All charges and fees, out of pocket costs, expenses and disbursements of Mellon are due
and payable by Client upon receipt of an invoice from Mellon.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 1.9pt; background-color: white">With respect to any shareholder mailing
processed by Mellon, Client shall, at least one business day prior to mail date, provide immediately available funds sufficient to cover
all postage due on such mailing. For any dividend mailing, Client shall, at least one business day prior to the mail date, also provide
immediately available funds sufficient to pay the aggregate amount of dividends to be paid.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6.25pt 0 0 1.2pt; background-color: white"><I>Share Sale Program: </I>Client
may appoint Mellon to administer, through Mellon's affiliate, Mellon Bank, N.A., a program allowing Client's shareholders to liquidate
book-entry shares, held in the Direct Registration System (&quot;DRS&quot;), pursuant to the Client's stock purchase and/or dividend reinvestment
plan. The charge for each such sale, and the process for selling such shares, shall be as described in the Client's plan. If Client does
not have a separate stock purchase or dividend reinvestment plan, then Client hereby appoints and directs Mellon to implement and administer,
through Mellon Bank, N.A., a share selling program allowing Client's shareholders to liquidate DRS shares. The transaction fee for each
such sale shall be $ plus $ per share. Under the program, upon receipt of a sell request by a registered shareholder, Mellon Bank, N.A.
will process the request through FutureShare Financial (&quot;FSF&quot;), a registered broker/dealer and member of NASD/SIPC and an affiliate
of Mellon. Proceeds of the sale will be sent to the shareholder in the form of a check (less the transaction fee). Sale requests will
typically be combined with other sale requests received from Client shareholders and shares will be submitted in bulk to FSF for sale.
Shares will be sold usually within one business day of Mellon's receipt of the sale request, but in no event more than five business days
(except where deferral is necessary under state or federal regulations). The price per share received by the selling shareholder will
equal the market price Mellon receives for the shares (or if more than one bulk trade is executed on the day the shares are sold, then
the price per share shall equal the weighted average market price received for all Client shares sold that day).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12.25pt 0 0 0.95pt; background-color: white"><I>Offering Administration Fee:
</I>A minimum fee of $will be imposed for activities associated with initial public offerings (IPO's), secondary offerings and/or closings.
The fee covers the coordination of efforts necessary between Mellon, the Client's underwriters, the banknote company and DTC in order
to effect the closing. This fee will cover the issuance of up to 200 certificates and/or book-entry credits. Certificates and/or book-entry
credits over this amount will be billed at $ each. This fee is in addition to any fees Mellon may charge for coordination of selling shareholders,
custody services and/or escrow services.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12.25pt 21.1pt 0 0.7pt; text-align: justify; background-color: white"><I>Conversion:
</I>If an out-of-proof condition exists at the time of conversion, and such condition is not resolved within 90 calendar days of such
conversion, Client agrees to provide Mellon with funds or shares sufficient to resolve the out-of-proof condition promptly after the expiration
of such 90 day period.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 11.75pt 6.7pt 0 0.25pt; text-align: justify; background-color: white"><I>Deconversion:
</I>Upon expiration or termination of this Agreement, Client shall pay Mellon a fee for deconversion services (e.g., providing shareholder
lists and files, producing and shipping records, answering successor agent inquiries). This fee shall be based on Mellon's then-current
deconversion fee schedule. Mellon may withhold the Client's records, reports and unused certificate stock pending Client's payment in
full of all fees and expenses owed to Mellon under this Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 11.5pt 0 0 0.25pt; background-color: white"><I>Legal Expenses, System Modifications:
</I>Certain expenses may be incurred in resolving legal matters that arise in the course of performing services hereunder. This may result
in a separate charge to cover Mellon's expenses (including the cost of external or internal counsel) in resolving such matters; provided
that any legal expenses charged to the Client shall be reasonable.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12.25pt 0 0; background-color: white">In the event any federal, state or local
laws, rules or regulations are enacted that require Mellon to (i) make any adjustments and/or modifications to its current system, or
(ii) provide additional services to Client for which Mellon is not being compensated hereunder, then Client shall compensate Mellon (a)
on a pro rata basis proportionate to the Client's registered shareholder base, for the costs associated with making such required adjustments
and/or modifications, or (b) according to Mellon's standard fees established, in good faith, with respect to such additional services.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6.5pt 0.7pt 0 0; text-align: center; background-color: white">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 1.45pt 0pt 0pt; text-align: center; background-color: white">Fee Schedule -
Page 9</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><I>Other Services: </I>Fees for any services provided
to Client by or on behalf of Mellon hereunder that are not set forth above will be based on Mellon's standard fees at the time such services
are provided or, if no standard fees have been established, an appraisal of the work to be performed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 24pt 0 0; text-align: center; background-color: white">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center; background-color: white">Fee Schedule
- Page 10</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; text-align: center; background-color: white"></P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(2)(K)(3)(E)
<SEQUENCE>23
<FILENAME>jhfof-html3755_ex992k3e.htm
<DESCRIPTION>AMENDMENT DATED OCTOBER 18, 2010 TO THE SERVICE AGREEMENT FOR TRANSFER AGENT SERVICES
<TEXT>
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<HEAD>
<TITLE></TITLE>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><B>EXHIBIT (2)(k)(3)(e)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>AMENDMENT TO&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>JOHN HANCOCK CLOSED END
FUNDS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1; text-align: center; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>SERVICE AGREEMENT&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>FOR</B></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; background-color: white"><B>TRANSFER AGENT SERVICES</B></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; background-color: white">THIS AMENDMENT (this
&#8220;Amendment&#8221;) dated October 18, 2010 to the Service Agreement for Transfer Agent Services dated June 1, 2002, as amended (the
&#8220;Agreement&#8221;), is entered into between Mellon Investor Services LLC, a New Jersey limited liability company (&#8220;Mellon&#8221;),
and John Hancock Premium Dividend Fund (previously known as John Hancock Patriot Premium Dividend Fund II), a Massachusetts Business Trust
(&#8220;Client&#8221;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; background-color: white">WHEREAS, effective
October 18, 2010 John Hancock Patriot Premium Dividend Fund II changed its name to John Hancock Premium Dividend Fund, and Mellon and
the Client are entering into this Amendment for the purpose of reflecting this name change in the Agreement, pursuant to which Mellon
will provide transfer agent and related services to Client. Capitalized terms used herein, but not otherwise defined herein, shall have
the meanings set forth in the Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; background-color: white">WHEREAS, Mellon and
Client desire to amend the Agreement as provided in this Amendment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; background-color: white">NOW THEREFORE, in consideration
of the mutual conditions and agreements set forth herein, and for other good and valuable consideration, the receipt and sufficiency of
which is hereby acknowledged, the parties hereto agree as follows:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">1.</TD><TD STYLE="text-align: justify"><U>Amendments to Agreement</U></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">(a)</TD><TD STYLE="text-align: justify">the Agreement is being amended to reflect the name change of John Hancock Patriot Premium Dividend Fund
II to John Hancock Premium Dividend Fund.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">(b)</TD><TD STYLE="text-align: justify">Exhibit D is hereby amended to include the attached.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">2.</TD><TD STYLE="text-align: justify"><U>Term of the Amendment</U>. This amendment shall become effective upon due execution and delivery by
both parties hereto, and shall remain in effect for so long as the Agreement shall remain in effect.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 12pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">3.</TD><TD STYLE="text-align: justify"><U>Ratification</U>. Except as expressly set forth herein, the Agreement is not modified hereby and shall
remain in full force and effect in accordance with the respective provisions thereof and is in all respects ratified and affirmed.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">4.</TD><TD STYLE="text-align: justify"><U>Partial Invalidity</U>. If any provision of this Amendment is held to be invalid or unenforceable,
such invalidity or unenforceability shall not invalidate this Amendment as a whole, but this Amendment shall be construed as though it
did not contain the particular provision held to be invalid or unenforceable and the rights and obligations of the parties shall be construed
and enforced only to such extent as shall be permitted by applicable law.</TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">5.</TD><TD STYLE="text-align: justify"><U>Counterparts</U>. This Amendment may be executed in two or more counterparts, each of which, when executed
and delivered, shall be deemed an original for all purposes, but all of which together shall constitute one and the same instrument.</TD></TR></TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; background-color: white">IN WITNESS WHEREOF,
Mellon and Client have caused these presents to be duly executed as of the day and year first above written.</P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><B>MELLON INVESTOR SERVICES LLC</B></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; padding-top: 12pt">By:</TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid; padding-top: 12pt">/s/ Lynore LeConche</TD>
    <TD STYLE="width: 17%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 36%; padding-top: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Name:</TD>
    <TD>Lynore LeConche</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Title:</TD>
    <TD>Relationship Manager</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0pt; background-color: white"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><B>JOHN HANCOCK PREMIUM DIVIDEND FUND</B></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; padding-top: 12pt">By:</TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid; padding-top: 12pt">/s/ Charles A. Rizzo</TD>
    <TD STYLE="width: 17%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 36%; padding-top: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Name:</TD>
    <TD>Charles A. Rizzo</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Title:</TD>
    <TD>Chief Financial Officer</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>


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<DOCUMENT>
<TYPE>EX-99.(2)(K)(3)(F)
<SEQUENCE>24
<FILENAME>jhfof-html3755_ex992k3f.htm
<DESCRIPTION>AMENDMENT DATED APRIL 6, 2011 TO THE SERVICE AGREEMENT FOR TRANSFER AGENT SERVICES
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
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<BODY>


<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: right">EXHIBIT (2)(k)(3)(f)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">AMENDMENT TO</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">JOHN HANCOCK CLOSED END FUNDS</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">SERVICE AGREEMENT</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">FOR</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">TRANSFER AGENT SERVICES</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">THIS AMENDMENT (this &#8220;Amendment&#8221;) dated April 6,2011 to the
Service Agreement for Transfer Agent Services dated June 1, 2002, as amended (the &#8220;Agreement&#8221;), is entered into between Mellon
Investor Services LLC, a New Jersey limited liability company (&#8220;Mellon&#8221;), and John Hancock Hedged Equity &amp; Income Fund,
a Massachusetts Business Trust ( &#8220;Client&#8221;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">WHEREAS, Mellon and the Client are entering into this Amendment for the
purpose of adding John Hancock Hedged Equity &amp; Income Fund to the Agreement, pursuant to which Mellon will provide transfer agent
and related services to Client. Capitalized terms used herein, but not otherwise defined herein, shall have the meanings set forth in
the Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">WHEREAS, Mellon and Client desire to amend the Agreement as provided in
this Amendment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">NOW THEREFORE, in consideration of the mutual conditions and agreements
set forth herein, and for other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties
hereto agree as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">1.</TD><TD><U>Amendments to Agreement</U>.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">(a)</TD><TD>the Agreement is hereby amended to add John Hancock Hedged Equity &amp; Income Fund;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt">(b)</TD><TD>Exhibit D is hereby amended to include the attached.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">2.</TD><TD><U>Term of the Amendment</U>. This amendment shall become effective upon due execution and delivery by both parties hereto, and shall
remain in effect for so long as the Agreement shall remain in effect.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">3.</TD><TD><U>Ratification</U>. Except as expressly set forth herein, the Agreement is not modified hereby and shall remain in full force and
effect in accordance with the respective provisions thereof and is in all respects ratified and affirmed.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">4.</TD><TD><U>Partial Invalidity</U>. If any provision of this Amendment is held to be invalid or unenforceable, such invalidity or unenforceability
shall not invalidate this Amendment as a whole, but this Amendment shall be construed as though it did not contain the particular provision
held to be invalid or unenforceable and the rights and obligations of the parties shall be construed and enforced only to such extent
as shall be permitted by applicable law.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">5.</TD><TD><U>Counterparts</U>. This Amendment may be executed in two or more counterparts, each of which, when executed and delivered, shall
be deemed an original for all purposes, but all of which together shall constitute one and the same instrument.</TD></TR></TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">IN WITNESS WHEREOF, Mellon and Client have caused these presents to be duly
executed as of the day and year first above written.</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">MELLON INVESTOR SERVICES LLC</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Lynore LeConche</FONT></TD>
    <TD STYLE="width: 17%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 36%; padding-top: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Lynore LeConche</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Relationship Manager</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JOHN HANCOCK HEDGED EQUITY &amp; INCOME FUND</FONT></TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Charles A. Rizzo</FONT></TD>
    <TD STYLE="width: 17%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 36%; padding-top: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Charles A. Rizzo</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Chief Financial Officer</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">Exhibit D</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">STOCK TRANSFER FEE SCHEDULE</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The following schedule is intended to be a comprehensive summary of the
fees associated with this proposal. The pricing as listed below is valid for ninety days from the date of submission or until &#8220;date&#8221;.
Fees are not subject to increase during the initial term.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 50%; border: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Initial Term of Agreement:</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 50%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Two (2) years<SUP>1</SUP></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Fees Not Subject to Increase</B></FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Two (2) Years</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><U>Administration </U></B><U>&amp; <B>Account Maintenance</B></U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Mellon will assign a Client Service Manager to consult with Client on all
facets of stock transfer administration, including, but not limited to, securities regulations, transfer requirements, structuring of
annual meetings, stock option exercises, cash and stock dividends, etc.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Monthly OFAC Reporting is included in the monthly administration and accounts
maintenance fees listed below.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 4pt; width: 48%; border: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Fund Name</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 26%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Administration &amp; <BR>
Account Maintenance<BR>
 (per month)</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>2010-2011</B></P></TD>
    <TD STYLE="padding: 4pt; width: 26%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Administration &amp; <BR>
Account Maintenance<BR>
 (per month)</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>2011-2012</B></P></TD></TR>
  <TR>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Hedged Equity &amp; Income Fund</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The Administration and Account Maintenance fees cover all of the services
and are subject to the allowances listed below.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>1 </SUP>Subject to Section 2(a) of the Agreement</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Fee Schedule - Page 1</P>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 4pt; width: 60%; border: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 4pt; width: 20%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Fee</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 20%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>JH <BR>
Hedged<BR>
 Equity &amp;<BR>
 Income</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No. of Active Accounts Maintained</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No. of Inactive Accounts</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No. of Dividend Reinvestment Accounts Maintained</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No. of Dividend Processed per year</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No. of Legal Review Items Processed</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No. of Certificates Issued &amp; Book Entry Credits</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No. of Certificates Cancelled &amp; Book Entry Debits</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No. of Additional Mailings per Year (including one enclosure)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No. of Reports, Analyses, Lists, or Labels</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No. of Inspectors of Election</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No. of Respondent Bank Omnibus Proxies</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No. of S/H Telephone Calls Handled by IVR System <SUP>(d)</SUP></FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">(a)</TD><TD>IVR = Interactive Voice Response; CSR = Customer Service Representative</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt">(b)</TD><TD>ISD transactions are defined as any shareholder transaction initiated through ISD, including, but not limited to, share sales or purchases,
duplicate statement or tax form requests, address or pin changes, account changes or updates and certificate requests.</TD></TR></TABLE>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 60%; border: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No. of SIH Telephone Calls Handled by IVR System <SUP>(d)</SUP></FONT></TD>
    <TD STYLE="padding: 4pt; width: 20%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; width: 20%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No. of SIH Telephone Calls Transferred from IVR to CSR <SUP>(d)</SUP></FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No. of Correspondence Items Responding to SIH Inquiries</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No. of Investor ServiceDirect&reg; Transactions <SUP>(d)</SUP></FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding: 4pt; vertical-align: top; width: 60%; border: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 4pt; vertical-align: bottom; width: 20%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Fee</B></FONT></TD>
    <TD STYLE="padding: 4pt; vertical-align: bottom; width: 20%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>JH Hedged <BR>
Equity &amp; <BR>
Income</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No. of State Mandated Due Diligence Mailings for Lost Property</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No. of SEC Mandated Lost S/H Database Searches</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Fee Schedule - Page 2</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"></P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(2)(K)(3)(G)
<SEQUENCE>25
<FILENAME>jhfof-html3755_ex992k3g.htm
<DESCRIPTION>AMENDMENT DATED MARCH 31, 2013 TO THE SERVICE AGREEMENT FOR TRANSFER AGENT SERVICES
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
</HEAD>
<BODY>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>EXHIBIT (2)(k)(3)(g)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>AMENDMENT TO</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>JOHN HANCOCK CLOSED-END FUNDS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>SERVICE AGREEMENT</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>FOR</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>TRANSFER AGENT SERVICES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>March 31, 2013</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">THIS AMENDMENT (this &#8220;Amendment&#8221;) dated March 31, 2013 to the
Service Agreement for Transfer Agent Services dated June 1, 2002, as amended (the &#8220;Agreement&#8221;), is entered into among Computershare
Shareowner Services LLC, a New Jersey limited liability company (&#8220;Agent&#8221;), and John Hancock Financial Opportunities Fund,
John Hancock Hedged Equity &amp; Income Fund, John Hancock Income Securities Trust, John Hancock Investors Trust, John Hancock Preferred
Income Fund, John Hancock Preferred Income Fund II, John Hancock Preferred Income Fund III, John Hancock Premium Dividend Fund, John Hancock
Tax-Advantaged Dividend Income Fund and John Hancock Tax-Advantaged Global Shareholder Yield Fund, each a Massachusetts Business Trust
(collectively, the &#8220;Clients&#8221;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">WHEREAS, Agent and the Clients desire to amend the Agreement as provided
in this Amendment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">NOW THEREFORE, in consideration of the mutual conditions and agreements
set forth herein, and for other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties
hereto agree as follows:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">1.</TD><TD><U>Amendment to Agreement</U></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt">(a) Effective March 31, 2013, this Agreement shall continue through
June 30, 2014, provided however, the Clients may terminate this Agreement at any time and without penalty on sixty (60) days written notice
to Agent.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt">(b) Exhibit D for each
Client, as amended, is hereby deleted in its entirety and replaced with the attached revised Exhibit D.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">2.</TD><TD><U>Term of the Amendment</U>. This amendment shall become effective upon due execution and delivery by the parties hereto, and shall
remain in effect for so long as the Agreement shall remain in effect.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">3.</TD><TD><U>Ratification</U>. Except as expressly set forth herein, the Agreement is not modified hereby and shall remain in full force and
effect in accordance with the respective provisions thereof and is in all respects ratified and affirmed.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">4.</TD><TD><U>Partial Invalidity</U>. If any provision of this Amendment is held to be invalid or unenforceable, such invalidity or unenforceability
shall not invalidate this Amendment as a whole, but this Amendment shall be construed as though it did not contain the particular provision
held to be invalid or unenforceable and the rights and obligations of the parties shall be construed and enforced only to such extent
as shall be permitted by applicable law.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">5.</TD><TD><U>Counterparts</U>. This Amendment may be executed in two or more counterparts, each of which, when executed and delivered, shall
be deemed an original for all purposes, but all of which together shall constitute one and the same instrument.</TD></TR></TABLE>


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<P STYLE="font: italic bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">IN WITNESS WHEREOF, the parties hereto have caused these presents
to be duly executed as of the day and year first above written.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Computershare Shareowner Services LLC</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 17%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 36%; padding-top: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Jay McHale</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">President</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Financial Opportunities Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Hedged Equity &amp; Income Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Income Securities Trust</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Investors Trust</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Preferred Income Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Preferred Income Fund II</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Preferred Income Fund III</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Premium Dividend Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Tax-Advantaged Dividend Income Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Tax-Advantaged Global Shareholder Yield Fund</B></P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 36%; border-bottom: Black 1pt solid; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Salvatore Schiavone</FONT></TD>
    <TD STYLE="width: 17%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 35%; padding-top: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Salvatore Schiavone</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Treasurer of the Funds listed Above</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>


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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(2)(K)(3)(H)
<SEQUENCE>26
<FILENAME>jhfof-html3755_ex992k3h.htm
<DESCRIPTION>AMENDMENT DATED JUNE 30, 2014 TO THE SERVICE AGREEMENT FOR TRANSFER AGENT SERVICES
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
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<BODY>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>EXHIBIT (2)(k)(3)(h)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">AMENDMENT TO</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">JOHN HANCOCK CLOSED-END FUNDS</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">SERVICE AGREEMENT</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">FOR</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">TRANSFER AGENT SERVICES</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">June 30, 2014</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">THIS AMENDMENT (this &#8220;Amendment&#8221;) dated June 30, 2014 to the
Service Agreement for Transfer Agent Services (the &#8220; Agreement&#8221;) dated June 1, 2002, as amended by and between Computershare
Inc., successor-in-interest to Computershare Shareowner Services LLC, a New Jersey limited liability company (&#8220; Agent&#8221;),
and John Hancock Financial Opportunities Fund, John Hancock Hedged Equity &amp; Income Fund, John Hancock Income Securities Trust, John
Hancock Investors Trust, John Hancock Preferred Income Fund, John Hancock Preferred Income Fund II, John Hancock Preferred Income Fund
III, John Hancock Premium Dividend Fund, John Hancock Tax- Advantaged Dividend Income Fund and John Hancock Tax-Advantaged Global Shareholder
Yield Fund, each a Massachusetts Business Trust (collectively, the &#8220;Clients&#8221;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">WHEREAS, Agent and the Clients desire to amend the Agreement as provided
in this amendment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">NOW THEREFORE, in consideration of the mutual conditions and agreements
set forth herein, and for other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties
hereto agree as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 0 0 36pt; text-indent: 0.8pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">1.</TD><TD><U>Amendment to Agreement</U></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0 72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">(a)</TD><TD>Section 2 (a) of the Agreement is hereby amended and restated in its entirety to read as follows:</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0 72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 18pt">(a)</TD><TD>Effective June 30, 2014, this Agreement shall continue through June 30. 2016, provided however, the Clients may terminate this Agreement
at any time and without penalty on sixty (60) days written notice to Agent.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 57.6pt 0 90pt; text-indent: 0.45pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 18pt">(b)</TD><TD>Exhibit D for each Client, as amended, is hereby deleted in its entirety and replaced with the attached revised Exhibit D.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 0 0 90pt; text-indent: 0.45pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">2.</TD><TD><U>Term of the Amendment</U>. This amendment shall become effective upon due execution and delivery by the parties hereto, and shall
remain in effect for so long as the Agreement shall remain in effect.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">3.</TD><TD><U>Ratification</U>. Except as expressly set forth herein, the Agreement is not modified hereby and shall remain in full force and
effect in accordance with the respective provisions thereof and is in all respects ratified and affirmed.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">4.</TD><TD><U>Partial Invalidity</U>. If any provision of this Amendment is held to be invalid or unenforceable, such invalidity or
                                                         unenforceability shall not invalidate this Amendment as a whole, but this Amendment shall be construed as though it did not contain
                                                         the particular provision held to be invalid or unenforceable and the rights and obligations of the parties shall be construed and
                                                         enforced only to such extent as shall be permitted by applicable law.</TD></TR></TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">5.</TD><TD><U>Counterparts</U>. This Amendment may be executed in two or more counterparts, each of which, when executed and delivered, shall
be deemed an original for all purposes, but all of which together shall constitute one and the same instrument.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4.6pt 43.1pt 0 53pt; text-indent: -17pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><I>IN WITNESS WHEREOF, the parties hereto have caused these presents
to be duly executed as of the day and year first above written.</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 36pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD COLSPAN="2" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">Computershare Inc.</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; width: 6%">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; width: 39%">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; width: 55%">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">Name:</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">Jay McHale</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">Title:</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom">President</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Financial Opportunities Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Hedged Equity &amp; Income Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Income Securities Trust</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Investors Trust</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Preferred Income Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Preferred Income Fund II</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Preferred Income Fund III</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Premium Dividend Fund</B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Tax-Advantaged Dividend Income Fund</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Tax-Advantaged Global Shareholder Yield Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 6%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 39%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 55%">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom; font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Salvatore Schiavone</FONT></TD>
    <TD STYLE="vertical-align: top; font-size: 11pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="vertical-align: bottom; font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Treasurer of the Funds listed Above</FONT></TD>
    <TD STYLE="vertical-align: top; font-size: 11pt">&nbsp;</TD></TR>
  </TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4.05pt 0 0; text-align: right">Exhibit D</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>STOCK TRANSFER FEE SCHEDULE</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Effective June 30, 2014</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Fees are not subject to increase during the term set forth in Section 2(a)
of the Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 65%; border: Black 1pt solid; font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Term Set Forth in Section 2(a) of the Agreement:</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 35%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2 Years<SUP>1</SUP></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Fee Not Subject to Increase</B></FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2 Years</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 4.55pt 0 0; text-align: justify"><U>Administration &amp; Account
Maintenance</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1.95pt 19.75pt 0 0; text-align: justify">Computershare will assign a Client
Service Manager to consult with Client on all facets of stock transfer administration, including, but not limited to, securities regulations,
transfer requirements, structuring of annual meetings, cash and stock dividends, etc.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 8.45pt 0 0; text-align: justify">Included in the Monthly fee below are: Monthly
OFAC Reporting and all Annual Meeting Administrative costs, including:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.3pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&#8226;</TD><TD>Notice and Access</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.3pt 0 0 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0.05pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&#8226;</TD><TD STYLE="padding-right: 29.55pt">Search and Distribution- the preparation and mailing of the notice and inquiry required by Rule 14a-13
of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), and the mailing or delivery of proxy solicitation
materials</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 0 0 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&#8226;</TD><TD>Balancing and reconciling the OTC position.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.3pt 0 0 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&#8226;</TD><TD>Provide tabulation reports</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.3pt 0 0 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&#8226;</TD><TD>Provide direct link to Broadridge to system for voting</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&#8226;</TD><TD>Vote monitoring to ensure that no phone calls are required to obtain vote</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: 0pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 70%; border: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Fund Name</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 30%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Administration &amp;<BR>
Account Maintenance<BR>
(per month)<BR>
2014-2016</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Bank &amp; Thrift (&#8220;BTO&#8221;)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2,382.00.</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Hedged Equity &amp; Income Fund</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,579.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Income Securities Trust (&#8220;Income Securities&#8221;)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5,380.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Investors Trust (&ldquo;Investors Trust&#8221;)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4,227.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Preferred Income Fund (&#8220;Preferred Income&#8221;)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2,075.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Preferred Income Fund II (&#8220;Preferred Income II&#8221;)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2,075.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Preferred Income Fund III (&#8220;Preferred Income III&#8221;)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2,075.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Premium Dividend Fund &nbsp;(&#8220;Patriot Prem Div&#8221;)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$9,174.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Tax-Advantaged Dividend Income Fund (&#8220;Tax-Adv. Div Income&#8221;)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,921.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Tax-Advantaged Global Shareholder Yield Fund (&#8220;Tax-Adv. Global S/H Yield&#8221;)</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,085.00</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

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<TD STYLE="width: 5%; text-align: left">1</TD><TD STYLE="text-align: justify; width: 95%">Subject to Section 2(a) of the Agreement</TD>
</TR></TABLE>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="text-align: right"></P></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4.6pt 0 0">The Administration and Account Maintenance fees cover all of the
services and are subject to the allowances listed below.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="margin-right: 10%; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0">---------------
<I>AII allowances are on a per fund basis </I>---------------</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center"><B>Allowances
    per Fund</B></TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; width: 34%; border-bottom: Black 1pt solid; border-right: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; background-color: #DBE5F1; text-align: center">Fee</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; text-align: center">BTO
    <SUP>(a)</SUP></TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Hedged
    Equity &amp; Income Fund</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Income
    Securities</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Investors
    Trust</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Premium
    Div Fund <SUP>(b)</SUP>&nbsp;&nbsp;</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Preferred
    Income</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Preferred
    Income II</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Preferred
    Income III</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Tax-Adv.
    Div Income</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Tax-Adv.
    Global S/H Yield <SUP>(c)</SUP></TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">No.
    of Active Accounts Maintained</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #DBE5F1; text-align: center">$2.50/
    Year</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1,800</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1,000</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5,300</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4,700</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4,600</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">500</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">500</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">500</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">500</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1,000</TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">No.
    of Inactive Accounts</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #DBE5F1; text-align: center">40%
    of Active<BR>
    <I>A/C </I>Fee</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">500</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">250</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">2,500</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">2,500</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3,650</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">250</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">250</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">250</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">250</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">250</TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">No.
    of Dividend Reinvestment Accounts Maintained</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #DBE5F1; text-align: center">44.00</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1,400</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">100</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1,500</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1,050</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">2,300</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">100</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">100</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">100</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">100</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">100</TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">No.
    of Legal Review Items Processed</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #DBE5F1; text-align: center">$50.00</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">100</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">25</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">100</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">100</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">100</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">25</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">25</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">25</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">25</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">25</TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">No.
    of Certificates Issued &amp; Book Entry Credits</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #DBE5F1; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">No.
    of Certificates Cancelled &amp; Book Entry Debits</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #DBE5F1; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">No.
    of Additional Mailings per Year (including one enclosure)</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #DBE5F1; text-align: center">See
    Below</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1</TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">No.
    of Reports, Analyses, Lists, or Labels</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #DBE5F1; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">No.
    of Inspectors of Election</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #DBE5F1; text-align: center">$1,500.00</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1</TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">No.
    of Respondent Bank Omnibus Proxies</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #DBE5F1; text-align: center">$150.00</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">No.
    of S/H Telephone Call Handled by IVR System <SUP>(d)</SUP></TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #DBE5F1; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">No.
    of S/H Telephone Calls Transferred from IVR to CSR&nbsp;<SUP>(d)</SUP></TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #DBE5F1; text-align: center">$5.25</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">500</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">2,075</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1,700</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">2,600</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">310</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">310</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">310</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">310</TD>
    <TD STYLE="padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Unlimited</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: justify">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%; text-align: left">(a)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; width: 97%">IVR = Interactive Voice Response; CSR = Customer Service Representative</TD>
</TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: justify">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">(b)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">ISD transactions are defined as any shareholder transaction initiated through ISD, including
but not limited to share sales or purchases, duplicate statement or tax form requests, address or pin changes, account changes or updates
and certificate requests.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 10%; margin-top: 0; margin-bottom: 0; text-align: right">--------------- <I>AII allowances are on a per fund
basis </I>---------------</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Fee Schedule - Page 2</P>
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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="text-align: right"></P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><BR STYLE="clear: both">
</FONT></P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; width: 34%; border-bottom: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-right: black 1pt solid; border-bottom: black 1pt solid; background-color: #DBE5F1; text-align: center">Fee</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center">BTO</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center">Hedged
    Equity &amp; Income Fund</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center">Income
    Securities</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center">Investors
    Trust</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center">Premium
    Div Fund</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center">Preferred
    Income</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center">Preferred
    Income II</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center">Preferred
    Income III</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center">Tax-Adv.
    Div Income</TD>
    <TD STYLE="border-top: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; width: 6%; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center">Tax-Adv.
    Global S/H Yield</TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; border-left: black 1pt solid">No.
    of State Mandated Due Diligence Mailings for Lost Property</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: #DBE5F1; text-align: center">$3
    per a/c $250 min</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">25</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center"><I>25</I></TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">25</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">25</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">25</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">25</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">25</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">25</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">25</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">25</TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; border-left: black 1pt solid">No.
    of SEC Mandated Lost S/H Database Searches</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: #DBE5F1; text-align: center">$2.50
    par a/c S250 min</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">25</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">25</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">25</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">25</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">25</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">25</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">25</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">25</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">25</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">25</TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; border-left: black 1pt solid">MLink
    Administration Fee (Electronic delivery of materials)</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: #DBE5F1; text-align: center">As
    appraised</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">1</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">1</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">1</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">1</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">1</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">1</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">1</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">1</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">1</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">1</TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; border-left: black 1pt solid">Evote
    Administration Fee</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: #DBE5F1; text-align: center">As
    appraised</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">1</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">1</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">1</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">1</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">1</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">1</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">1</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">1</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">1</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">1</TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; border-left: black 1pt solid">Telephone
    Votes</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: #DBE5F1; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">Unlimited</TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; border-left: black 1pt solid">Internet</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: #DBE5F1; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">Unlimited</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">Unlimited</TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; border-left: black 1pt solid">Investor
    <I>/ </I>Broker Directed Movement of Shares</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: #DBE5F1; text-align: center">$3.00</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">50</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">50</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">50</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">50</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">50</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">50</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">50</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">50</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">50</TD>
    <TD STYLE="border-right: black 1pt solid; padding: 3pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center">50</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Fee Schedule - Page 3</P>
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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="text-align: right"></P></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4.6pt 0 0"><B><U>Dividend Disbursement Fee</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5.3pt 0 0">Number of dividends processed per year. The dividend disbursement
fee includes all of the services listed below.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 60%; border: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Fund Name</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 40%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Included</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Financial Opportunities Fund</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Hedged Equity &amp; Income Fund</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Income Securities</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Investors Trust</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Patriot Premium Dividend Fund</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Preferred Income</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Preferred Income II</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Preferred Income III</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Tax-Adv. Global S/H Yield</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Tax-Adv. Div Income</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18.3pt"></TD><TD STYLE="width: 17.7pt">&#8226;</TD><TD>Preparing and mailing checks</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18.3pt"></TD><TD STYLE="width: 17.7pt">&#8226;</TD><TD>Reconciling checks</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18.3pt"></TD><TD STYLE="width: 17.7pt">&#8226;</TD><TD>Preparing payment register in list form</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.75pt"></TD><TD STYLE="width: 18.25pt">&#8226;</TD><TD>Withholding and filing taxes for non-resident aliens and others</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18.25pt"></TD><TD STYLE="width: 17.75pt">&#8226;</TD><TD>Filing federal tax information returns</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18.05pt"></TD><TD STYLE="width: 17.95pt">&#8226;</TD><TD>Processing &#8220;B&#8221; and &#8220;C&#8221; notices received from the IRS</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18.25pt"></TD><TD STYLE="width: 17.75pt">&#8226;</TD><TD>Mailing required statements (Form 1099DIV or Form 1042) 10 registered holders</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18.25pt"></TD><TD STYLE="width: 17.75pt">&#8226;</TD><TD>Maintaining stop payment files and issuing replacement checks</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18.25pt"></TD><TD STYLE="width: 17.75pt">&#8226;</TD><TD>Maintaining separate dividend addresses</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18.3pt"></TD><TD STYLE="width: 17.7pt">&#8226;</TD><TD>Receiving, verifying and posting funds to cover entire dividend distribution on mailing date of checks</TD></TR></TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Fee Schedule - Page 4</P>
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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="text-align: right"></P></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4.55pt 0 0"><B><U>INVESTOR PLAN SERVICES FEE SCHEDULE</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding: 4pt; border: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Item</B></FONT></TD>
    <TD STYLE="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Amount</B></FONT></TD>
    <TD STYLE="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Note</B></FONT></TD>
    <TD STYLE="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Paid By</B><SUP>1</SUP></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Plan Set Up Fee</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2,500</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Per Fund</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Company</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Fulfillment Processing</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.50</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Per request</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Company</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Reinvestment Trading Fee</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$.05</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Per share</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Participant</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Purchase of Additional Shares<BR>
By check<BR>
By Electronic Transfer<BR>
Trading Fee</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.00<BR>
$2.00<BR>
$.05</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Per investment<BR>
Per investment<BR>
Per share</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Participant</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Sale of Shares<SUP>2<BR>
</SUP>Trading Fee</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.00<BR>
$.05</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Per
    share</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Participant</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Safekeeping</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No Charge</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Duplicate Statement - Prior Year</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No Charge</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Insufficient Funds or Rejected Automatic Debit</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$35.00</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Per check or debit</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Participant</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Other services including (but not limited to):<BR>
Certificate Issuance<BR>
Transfer of Shares</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Per Stock Transfer Agency Contract</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Company</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.2pt">Out of Pocket Expenses including<BR>
    (but not limited to):</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.2pt">Forms/Brochures, Postage, 800<BR>
    Number, etc.</P></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">As incurred</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Company</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Note 1</FONT></TD>
    <TD COLSPAN="4" STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Fees could be:<BR>
&#8220;P&#8221; Participant Paid or &#8220;C&#8221;, Company Paid</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Note 2</FONT></TD>
    <TD COLSPAN="4" STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Including sales of fractional shares upon termination from plan.</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 0; width: 12%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; width: 37%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; width: 17%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; width: 17%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; width: 17%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  </TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 70%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Escheatment Services</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 30%; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Compliance Services</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Included</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">SEC Mandated Electronic Database &amp; New Address Retrieval Mailing</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.00 per account</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I>(subject to the following minimum)</I></FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$250.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Each state mandated due diligence mailing</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.50 per account</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I>(subject to the following minimum)</I></FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$250.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">In-Depth Search and Location Services</FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No charge to company</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I>(Annual compliance services include all of the services listed below)</I></FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&#8226;</TD><TD>Assist in establishing compliance with the unclaimed property requirements of all jurisdictions that may have a claim on escheatable
property held by your organization</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&#8226;</TD><TD>Processing records and property subject to reporting based upon current state statutes rules, and regulations</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&#8226;</TD><TD>Requesting penalty and interest release agreements and indemnification from future claim agreements (on property remitted) from the
states that offer such agreements</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&#8226;</TD><TD>Identifying properly that has become escheatable since the last filing date</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&#8226;</TD><TD>Review state regulations to determine if there have been any changes in reporting procedures</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&#8226;</TD><TD>Reporting and remitting property to states</TD></TR></TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Fee Schedule - Page 5</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="text-align: right"></P></DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding: 4pt; width: 52%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>ISSUER ONLINE System Access</B></FONT></TD>
    <TD STYLE="padding: 4pt; width: 48%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9.5pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Included</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 17.05pt">&#8226;</TD><TD>Providing client access to Computershare&#8217;s mainframe inquiry and internet based system for management reporting and shareholder
records</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 17.05pt">&#8226;</TD><TD>Providing daily data on registered shareholders</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 17.05pt">&#8226;</TD><TD>Providing daily access to proxy tabulation file during proxy season</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 60%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt"><B>DIRECT REGISTRATION/PROFILE SYSTEM</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt">Enrollment Fee</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt">Annual Surety Fee</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt">Stock Distribution Event &#8211; full, full and fractional shares</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt">DRS Fee, per statement</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt">Investor directed movement of shares, each</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt">Broker directed movement of hares, each</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt">DRS/Profile reject fee, each</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt">DRS/Profile Broker Authorization Form. each</P></TD>
    <TD STYLE="width: 40%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">Included</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">Included</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">$3.50</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">$0.25</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">$3.00</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">$3.00</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">$5.00</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">$1.50</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 69%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt"><B>ACH/DIRECT DEPOSIT SERVICES</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt">Initial Setup Fee</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt">Annual Maintenance Fee</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt">ACH file transmission, each distribution; per item</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt">Placement of Stop Payment Order</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt">Returns/Reversals, per occurrence</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt"><I>(Annual Maintenance includes oil of the services listed below)</I></P></TD>
    <TD STYLE="width: 31%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">Included</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">Included</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">Included</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">$10.00</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">$10.00</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.8pt"></TD><TD STYLE="width: 18.2pt">&#8226;</TD><TD>Processing returned authorization forms</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.8pt"></TD><TD STYLE="width: 18.2pt">&#8226;</TD><TD>Posting bank information to accounts</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.8pt"></TD><TD STYLE="width: 18.2pt">&#8226;</TD><TD>Creating pre-note transactions and sending to clearinghouse</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.8pt"></TD><TD STYLE="width: 18.2pt">&#8226;</TD><TD>Following up on rejects</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.8pt"></TD><TD STYLE="width: 18.2pt">&#8226;</TD><TD>Produce and mail checks for returned items</TD></TR></TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Fee Schedule - Page 6</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="text-align: right"></P></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>ADDITIONAL SERIVICES AVAILABLE UPON REQUEST</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 70%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt"><B>STANDARD MAILING SERVICES</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt">Minimum charge for each of the below services</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt">Addressing mailing medium, per name</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt">Affixing labels, per label</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt">Machine inserting</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt 4pt 4pt 18pt">1<SUP>st</SUP> Enclosure, per piece</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt 4pt 4pt 18pt">2<SUP>nd</SUP> Enclosure, per piece</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt 4pt 4pt 18pt">Each Enclosure thereafter, per piece</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt">Manual inserting</P></TD>
    <TD STYLE="width: 30%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">$500.00</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">$0.05</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">$0.04</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">$0.05</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">$0.04</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">$0.03</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">By Appraisal</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; padding: 0; width: 70%; border-bottom: Black 1pt solid; border-left: Black 1pt solid">
    <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt"><B>OTHER SERVICES</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-indent: 0">Confidential Proxy Voting</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-indent: 0">Dividends &#8211; Special Cash Dividends</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-indent: 0">Electronic Distribution of Materials</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-indent: 0">Foreign Tax Re-claim</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-indent: 0">Householding of Annual Meeting and Other Materials</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-indent: 0">Interactive Online Meeting Services</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-indent: 0">Logistics Services (including document transportation,<BR>
fulfillment, printing and media placement)</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-indent: 0">Mailing Quarterly or Periodic Reports</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-indent: 0">Maintaining Mail Lists</P>
    <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: justify">Secondary Offerings or Closings</P>
    <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: justify">Stock Splits and Stock Dividends</P>
    <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: justify">Special Meetings</P>
    <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: justify">Survey Tabulation</P></TD>
    <TD STYLE="border-top: Black 1pt solid; padding: 0; width: 30%; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">&nbsp;</P>
    <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">By Appraisal</P>
    <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">By Appraisal</P>
    <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">By Appraisal</P>
    <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">By Appraisal</P>
    <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">By Appraisal</P>
    <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">By Appraisal</P>
    <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">By Appraisal</P>

    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 0; margin: 4pt; text-align: right">By Appraisal</P>
    <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">By Appraisal</P>
    <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">By Appraisal</P>
    <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">By Appraisal</P>
    <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">By Appraisal</P>
    <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">By Appraisal</P>
    <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt; text-align: right">By Appraisal</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Fee Schedule - Page 7</P>
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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="text-align: right"></P></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>ADDITIONAL SERVICES PROVIDED BY COMPUTERSHARE</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt 0 0 7.2pt; text-indent: 1.15pt">In addition to transfer agent services, Computershare
    Investor Services also provides the following related services. Contact your Sales Representative or Client Service Manager for additional
    information.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt 0 0 7.2pt; text-indent: 1.15pt">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt 0 0 7.2pt; text-indent: 1.15pt">Bank/Broker Distributions</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt 0 0 7.2pt; text-indent: 1.15pt">Corporate Stock Buy-Back Services</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt 0 0 7.2pt; text-indent: 1.15pt">Custodial Services</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt 0 0 7.2pt; text-indent: 0.2pt">Employee Stock Option Plan Administration</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt 0 0 7.2pt; text-indent: 0.2pt">Employee Stock Purchase Plan Administration</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt 0 0 7.2pt; text-indent: 0.2pt">Escrow Services</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt 0 0 7.2pt; text-indent: -0.3pt">Exchange or Tender Offer Processing</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt 0 0 7.2pt; text-indent: -0.3pt">Financial Planning Services</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt 0 0 7.2pt; text-indent: -0.2pt">Odd-Lot Program Administration</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt 0 0 7.2pt; text-indent: -0.2pt">Proxy Solicitation</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt 0 0 7.2pt">StockWatch (beneficial owner identification)</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt 0 0 7.2pt">Subscription Agent Services</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt 0 0 7.2pt">Rights Agency</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4pt 0 4pt 7.2pt">Warrant Agency</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Fee Schedule - Page 8</P>
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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="text-align: right"></P></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>EXPENSES AND OTHER CHARGES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0.65pt"><I>Fees and Out of Pocket Expenses:
</I>The cost of stationery and supplies, including but not limited to transfer sheets, dividend checks, envelopes, and paper stock, together
with any disbursement for telephone, postage, mail insurance, travel for annual meeting, link-up charges for ADP and tape charges from
OTC are billed in addition to the above fees. All charges and foes, out of pocket costs, expenses and disbursements of Computershare are
due and payable by Client upon receipt of in invoice from Computershare.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0.65pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.65pt">With respect to any shareholder mailing processed by
Computershare, Client shall, at least one business day prior to mail date, provide immediately available funds sufficient to cover all
postage due on such mailing. For any dividend mailing, Client shall, at least one business day prior to the mail date, also provide immediately
available funds sufficient to pay the aggregate amount of dividends to be paid.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.65pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.65pt"><I>Offering Administration Fee: </I>A minimum fee of
$5,000 will be imposed for activities associated with initial public offerings (IPO&#8217;s), secondary offerings and / or closings. The
fee covers the coordination of efforts necessary between Computershare, the Client&#8217;s underwriters, the banknote company and DTC
in order to effect the closing. This fee will cover the issuance of up to 200 certificates and / or book-entry credits. Certificates and
/or book-entry credits over this amount will be billed at $2.00 each. This fee is in addition to any fees Computershare may charge for
coordination of selling shareholders, custody services and/ or escrow services.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.65pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.65pt"><I>Conversion: </I>If an out-of-proof condition exists
at the time of conversion, and such condition is not resolved within 90 calendar days of such conversion, Client agrees to provide Computershare
with funds or shares sufficient to resolve the out-of-proof condition promptly after the expiration of such 90 day period.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.65pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.65pt"><I>Deconversion: </I>Upon expiration or termination
of this Agreement, Client shall pay Computershare a fee for deconversion services (e.g., providing shareholder lists and tiles, producing
and shipping records, answering successor agent inquiries). This fee shall be based on Computershare&#8217;s then-current deconversion
fee schedule. Computershare may withhold the Client&#8217;s records, reports and unused certificate stock pending Client&#8217;s payment
in full of all fees and expenses owed to Computershare under this Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.65pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.65pt"><I>Legal Expenses, System Modifications: </I>Certain
expenses may be incurred in resolving legal matters that arise in the course of performing services hereunder. This may result in a separate
charge to cover Computershare&#8217;s expenses (including the cost of external or internal counsel) in resolving such matters; provide
d that any legal expenses charged to the Client shall be reasonable.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.65pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.65pt">In the event any federal, state or local laws, rules
or regulations are enacted that require Computershare to (i) make any adjustments and/or modifications to its current system, or (ii)
provide additional services to Client for which Computershare is not being compensated hereunder, then Client shall compensate Computershare
(a) on a pro rata basis proportionate to the Client&#8217;s registered shareholder base, for the costs associated with making such required
adjustments and/or modifications, or (b) according to Computershare&#8217;s standard fees established , in good faith, with respect to
such additional services.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.65pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.65pt"><I>Other Services: </I>Fees for any services provided
to Client by or on behalf of Computershare hereunder that are not set forth above will be based on Computershare&#8217;s standard fees
at the time such services are provided or, if no standard fees have been established, an appraisal of the work to be performed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Fee Schedule - Page 9</P>

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<DOCUMENT>
<TYPE>EX-99.(2)(K)(3)(I)
<SEQUENCE>27
<FILENAME>jhfof-html3755_ex992k3i.htm
<DESCRIPTION>AMENDMENT DATED JUNE 30, 2016 TO THE SERVICE AGREEMENT FOR TRANSFER AGENT SERVICES
<TEXT>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>EXHIBIT
(2)(k)(3)(i)</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">AMENDMENT TO</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 0pt; text-align: center">JOHN HANCOCK CLOSED-END FUNDS</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">SERVICE AGREEMENT</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">FOR</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0.2pt; margin-bottom: 0; text-align: center">TRANSFER AGENT SERVICES</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 29.35pt 0pt 18pt">THIS AMENDMENT (this &quot;Amendment&quot;) dated June
30, 2016 to the Service Agreement for Transfer Agent Services, as amended (the &quot;Agreement'1) dated June 1, 2002, as amended by and
between Computershare Inc., successor-in-interest to Computershare Shareowner Services LLC, a New Jersey limited liability company (&#8220;Agent&quot;),
and John Hancock Financial Opportunities Fund, John Hancock Hedged Equity &amp; Income Fund, John Hancock Income Securities Trust, John
Hancock Investors Trust, John Hancock Preferred Income Fund, John Hancock Preferred Income Fund II, John Hancock Preferred Income Fund
III, John Hancock Premium Dividend Fund, John Hancock Tax- Advantaged Dividend Income Fund and John Hancock Tax-Advantaged Global Shareholder
Yield Fund, each a Massachusetts Business Trust (collectively, the &quot;Clients'1).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0 18pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 29.35pt 0 18pt">WHEREAS, Agent and the Clients desire to amend the Agreement
as provided in this Amendment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.3pt 0 0 18pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 29.35pt 0 18pt">NOW THEREFORE, in consideration of the mutual conditions
and agreements set forth herein, and for other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged,
the parties hereto agree as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.2pt 0 0 18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0.05pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-size: 10pt; letter-spacing: -0.05pt">1.</FONT></TD><TD><FONT STYLE="font-size: 10pt"><U>Amendment to Agreement</U>.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.3pt 0 0 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0.05pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 35.75pt"></TD><TD STYLE="width: 18.25pt"><FONT STYLE="font-size: 10pt; letter-spacing: -0.05pt">(a)</FONT></TD><TD STYLE="padding-right: 26.6pt"><FONT STYLE="font-size: 10pt">Section 2(a) of the Agreement is hereby amended and restated in its entirety
to read as follows:</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.2pt 0 0 54pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 21.75pt 0 54pt">&quot;Effective June 30, 2016, this Agreement shall continue
through June 30, 2018, provided however, the Clients may terminate this Agreement at any time and without penalty on ninety (90) days
written notice to Agent.&quot;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0 54pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0.05pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-size: 10pt; letter-spacing: -0.05pt">(b)</FONT></TD><TD><FONT STYLE="font-size: 10pt">Insert the following new section:</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0 54pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 21.9pt 0 54pt; text-indent: 18pt">&quot;17. <B>Company Audit. </B>Agent
shall, upon at least thirty (30) days written notice, no more frequently than once per year, and at mutually agreed dates and times, allow
Clients, their auditors and/or their regulators, to inspect, examine, and audit (each, an &quot;Audit&quot;) Agent's operations, procedures
and business records that are relevant to the Services provided hereunder by Agent (collectively, &quot;Records''), solely to determine
Agent's compliance with this Agreement, and only to the extent that such Records were not included within the scope of the SSAE 16, AT
101, or equivalent audit conducted for Agent within the previous calendar year. Notwithstanding the foregoing, Agent may, in its sole
discretion, prohibit Clients from entering certain areas of its facilities for security reasons, in which case Agent will provide Clients
with alternative access to the Records, information or personnel in such restricted area, to the extent reasonably possible. Audits shall
not include penetration testing. Further, Clients agree that any Audit includes the right of Clients to inspect Records on- site at Agent's
office, but not the right to copy Records. Clients will provide Agent with a written Scope of Work including a mutually agreed level of
detail, at least 10 business days in advance of commencement of an Audit. Agent shall cooperate reasonably and in good faith with Clients'
internal or external auditors</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 21.9pt 0 54pt; text-indent: 0.75pt">to ensure a prompt and accurate Audit.
In addition, Agent shall address within a reasonable time period and in the manner determined by Agent any practices found to be non-compliant
with this Agreement after receipt of a Client Audit report. Clients acknowledge that Agent may require any such auditors and/or regulators
of Clients to agree to written confidentiality provisions relating to Agent's proprietary and confidential information that such auditors
and/or regulators may have access to during any such Audit. Clients agree to compensate Agent for all out of pocket expenses incurred
in connection with any Audit, and also agrees to compensate Agent, in accordance with the Agent fee schedule in effect at the time such
Audit, for the time of each Agent employee required to assist such Audit; provided, however, that in no event shall Clients be charged
for the time incurred by Agent's Relationship Management employees required to assist such Audit.&quot;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 54pt; text-indent: 0.75pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 35.5pt"></TD><TD STYLE="width: 18.5pt"><FONT STYLE="font-size: 10pt; letter-spacing: -0.05pt">(c)</FONT></TD><TD STYLE="padding-right: 55.25pt"><FONT STYLE="font-size: 10pt">Exhibit D for each Client, as amended, is hereby deleted in its entirety
and replaced with the attached revised Exhibit D.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.3pt 0 0 54pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-size: 10pt; letter-spacing: -0.05pt">2.</FONT></TD><TD STYLE="padding-right: 23.8pt"><FONT STYLE="font-size: 10pt"><U>Term of the Amendment</U>. This amendment shall become effective upon
due execution and delivery by the parties hereto, and shall remain in effect for so long as the Agreement shall remain in effect.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-size: 10pt; letter-spacing: -0.05pt">3.</FONT></TD><TD STYLE="text-align: justify; padding-right: 44.35pt"><FONT STYLE="font-size: 10pt"><U>Ratification</U>. Except as expressly set forth
herein, the Agreement is not modified hereby and shall remain in full force and effect in accordance with the respective provisions thereof
and is in all respects ratified and affirmed.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.15pt 0 0 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-size: 10pt; letter-spacing: -0.05pt">4.</FONT></TD><TD STYLE="padding-right: 25.75pt"><FONT STYLE="font-size: 10pt"><U>Partial Invalidity</U>. If any provision of this Amendment is held
to be invalid or unenforceable, such invalidity or unenforceability shall not invalidate this Amendment as a whole, but this Amendment
shall be construed as though it did not contain the particular provision held to be invalid or unenforceable and the rights and obligations
of the parties shall be construed and enforced only to such extent as shall be permitted by applicable law.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -0.95pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-size: 10pt; letter-spacing: -0.05pt">5.</FONT></TD><TD STYLE="padding-right: 25.4pt"><FONT STYLE="font-size: 10pt"><U>Counterparts</U>. This Amendment may be executed in two or more counterparts,
each of which, when executed and delivered, shall be deemed an original for all purposes, but all of which together shall constitute one
and the same instrument.</FONT></TD></TR></TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 28.8pt 0 0.05pt; text-indent: -0.05pt"><B><I>IN WITNESS WHEREOF, the parties
hereto have caused these presents to be duly executed as of the day and year first above written.</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">Computershare Inc.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 12%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 40%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Martin J. McHale, Jr.</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">President, U.S. Equity Services</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 153.75pt 0 0">John Hancock Financial Opportunities Fund</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 153.75pt 0 0">John Hancock Hedged Equity &amp; Income Fund</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 153.75pt 0 0">John Hancock Income Securities Trust</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.4pt 0 0"><B>John Hancock Investors Trust</B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0.45pt 186.75pt 0 0">John Hancock Preferred Income Fund</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0.45pt 186.75pt 0 0">John Hancock Preferred Income Fund II</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0.45pt 186.75pt 0 0">John Hancock Preferred Income Fund III</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0.45pt 186.75pt 0 0">John Hancock Premium Dividend Fund</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.55pt 0 0"><B>John Hancock Tax-Advantaged Dividend Income Fund</B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0.45pt 0 0">John Hancock Tax-Advantaged Global Shareholder Yield Fund</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 12%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 40%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Salvatore Schiavone</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Treasurer of the Funds listed Above</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

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<DOCUMENT>
<TYPE>EX-99.(2)(K)(3)(J)
<SEQUENCE>28
<FILENAME>jhfof-html3755_ex992k3j.htm
<DESCRIPTION>AMENDMENT DATED JULY 1, 2018 TO THE SERVICE AGREEMENT FOR TRANSFER AGENT SERVICES
<TEXT>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>EXHIBIT 2(k)(3)(j)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">AMENDMENT TO</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">JOHN HANCOCK CLOSED-END FUNDS</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">SERVICE AGREEMENT</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">FOR</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">TRANSFER AGENT SERVICES</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">THIS AMENDMENT (&ldquo;Amendment&rdquo;) dated July 1, 2018 to the Service
Agreement for Transfer Agent Services (the &ldquo;Agreement&rdquo;) dated June 1, 2002, as amended by and between Computershare Inc.,
a Delaware corporation, successor-in-interest to Computershare Shareowner Services LLC (&ldquo;Agent&rdquo;), and John Hancock Financial
Opportunities Fund, John Hancock Hedged Equity &amp; Income Fund, John Hancock Income Securities Trust, John Hancock Investors Trust,
John Hancock Preferred Income Fund, John Hancock Preferred Income Fund II, John Hancock Preferred Income Fund III, John Hancock Premium
Dividend Fund, John Hancock Tax-Advantaged Dividend Income Fund and John Hancock Tax-Advantaged Global Shareholder Yield Fund, each a
Massachusetts Business Trust (collectively, the &ldquo;Clients&rdquo;) .</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">WHEREAS, Agent and the Clients desire to amend the Agreement as provided
in this Amendment;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">NOW THEREFORE, in consideration of the mutual conditions and agreements
set forth herein, and for other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the patties
hereto agree as follows;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">1.</TD><TD><U>Amendments to Agreement.</U> The Agreement is hereby amended as follows:</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">(a)</TD><TD>All references in the Agreement to &ldquo;Mellon&rdquo; shall now be referred to as &ldquo;Agent&rdquo;.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">(b)</TD><TD>Section 2(a) of the Agreement is hereby amended and restated in its entirety as follows:</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-indent: 18pt">&ldquo;(a) Effective July 1, 2018, the Agreement
shall continue through June 30, 2021; provided, however, the Clients may terminate this Agreement at any time and without penalty upon
sixty (60) days written notice to Agent.&rdquo;;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">(c)</TD><TD>Exhibit D is hereby deleted in its entirety and replaced it with the new Exhibit D attached hereto; and</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">(d)</TD><TD>Exhibit E attached hereto is hereby added to the Agreement.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">2.</TD><TD STYLE="text-align: justify"><U>Term of the Amendment.</U> This Amendment shall become effective upon due execution and delivety by
the patties hereto, and shall remain in effect for so long as the Agreement shall remain in effect.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">3.</TD><TD STYLE="text-align: justify"><U>Ratification.</U> Except as expressly set forth herein, the Agreement is not modified hereby and shall
remain in full force and effect in accordance with the respective provisions thereof and is in all respects ratified and affirmed.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">4.</TD><TD><U>Pattial Invalidity.</U> If any provision of this Amendment is held to be invalid or unenforceable, such invalidity or unenforceability
shall not invalidate this Amendment as a whole, but this Amendment shall be construed as though it did not contain the particular provision
held to be invalid or unenforceable and the rights and obligations of the patties shall be construed and enforced only to such extent
as shall be permitted by applicable law.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">5.</TD><TD><U>Counterparts.</U> This Amendment may be executed in any number of counterparts and each of such counterparts shall for all purposes
be deemed to be an original, and all such counterparts shall together constitute but one and the same instrument. A signature to this
Amendment executed and/or transmitted electronically shall have the same authority, effect, and enforceability as an original signature.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-indent: -18pt">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0">2</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">IN WITNESS WHEREOF, the parties hereto have caused these presents to
be duly executed as of the day and year first above written.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Computershare Inc.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 5%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom; width: 35%"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">/s/
    Steven RI. Rothbloom</FONT></TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Steven RI. Rothbloom</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">CEO, Computershare U.S .</FONT></TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Financial Opportunities Fund </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Hedged Equity </B>&amp; <B>Income Fund </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Income Securities Trust</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Investors Trust</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Preferred Income Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Preferred Income Fund </B>II</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Preferred Income Fund </B>III</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Premium Dividend Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Tax-Advantaged Dividend Income Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>John Hancock Tax-Advantaged Global Shareholder Yield Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 5%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom; width: 35%">&nbsp;</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Salvatore Schiavone</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Treasurer of the Funds listed Above</FONT></TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-indent: -18pt">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0">3</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>Exhibit D</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>&#9;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: center"><B>STOCK TRANSFER FEE SCHEDULE</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: center"><B>Effective July 1, 2018</B></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Fees are not subject to increase during the term set forth in Section 2(a)
of the Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 70%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-weight: bold; text-align: justify; font-size: 10.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Term Set Forth in Section 2(a) of the Agreement:</FONT></TD>
    <TD STYLE="padding: 4pt; width: 30%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3 Years<SUP>1</SUP></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-weight: bold; text-align: justify; font-size: 10.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Fees Not Subject to Increase </FONT></TD>
    <TD STYLE="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3 Years</FONT></TD></TR>
  </TABLE>
<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><U>Administration &amp; Account Maintenance</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Agent will assign a Client Service Manager to consult with Client on all
facets of stock transfer administration, including, but not limited to, securities regulations, transfer requirements, structuring of
annual meetings, cash and stock dividends, etc.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Included in the Monthly fee below are: Monthly OFAC Reporting, New Account
Mailings and all Annual Meeting Administrative costs, including:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Notice and Access</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                               </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Search and Distribution- the preparation and mailing of the notice and inquiry required by Rule 14a-13 of the Securities Exchange
Act of 1934, as amended (the &ldquo;Exchange Act&rdquo;), and the mailing or delivery of proxy solicitation materials</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                                                               </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Balancing and reconciling the DTC positions</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                                                         </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Provide tabulation reports</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                                        </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Provide direct links to Broadridge to system for voting</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                                                                     </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Vote monitoring to ensure that no phone calls are required to obtain vote</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><U>International Currency Exchange</U></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Agent may, at its option, offer a currency conversion service (&ldquo;<B>ICE Service</B>&rdquo;) to certain shareholders whereby any
such shareholder can elect to receive payments in a currency other than U.S. Dollars. The ICE Service is voluntary and will only be provided
to a shareholder who selects such ICE Service and who agrees to the ICE Service terms and conditions. Agent shall charge a processing
fee to the shareholder and may receive compensation from the currency conversion service provider. Clients will not incur fees resulting
from the ICE Service.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><U>Shareholder Communications</U></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Provide Clients-specific shareholder contact number</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                                                                 </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Provide Interactive Voice Response (IVR) 24/7 (subject to system maintenance)</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                                                                                           </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Respond to shareholder inquiries (written, e-mail and web)</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                                                                        </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Record shareholder calls</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                                      </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Scan and image incoming correspondence from shareholders</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -18pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-indent: -18pt"></P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 3pt; margin-bottom: 3pt; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>1</SUP> Subject to Section 2(a) of the Agreement</P>


<!-- Field: Page; Sequence: 4 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Solicit, collect and record consents and U.S mobile telephone numbers from shareholders for Agent to send text messages. Such consents
and information may be collected via IVR, Investor Center, shareholder calls, or in writing.</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                                      </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>For consented Accounts, provide text message notifications for:</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                                                                             </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>various transactions (not to replace legally required notifications)</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                                                                                  </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>action to be taken on an Account (e.g., uncashed checks, uncertified TIN)</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                                                                                       </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Receive and record requests to stop text messages</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                                                               </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Administer text message campaigns (as agreed upon between Clients and Agent, and which may be subject to additional fees)</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0pt"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; width: 46%; border: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Fund Name</B></FONT></TD>
    <TD STYLE="padding: 5.4pt; width: 20%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Administration &amp; Account Maintenance<BR>
(per month)<BR>
2018/2019</B></FONT></TD>
    <TD STYLE="padding: 5.4pt; width: 17%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Administration &amp; Account Maintenance<BR>
(per month)<BR>
2019/2020</B></FONT></TD>
    <TD STYLE="padding: 5.4pt; width: 17%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Administration &amp; Account Maintenance<BR>
(per month)<BR>
2020/2021</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Bank &amp; Thrift (&ldquo;BTO&rdquo;)</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2,069.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,994.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,994.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Hedged Equity &amp; Income Fund</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,371.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,322.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,322.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Income Securities Trust (&ldquo;Income Securities&rdquo;)</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4,672.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4,503.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$4,503.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Investors Trust (&ldquo;Investors Trust&rdquo;)</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3,671.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3,538.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3,538.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Preferred Income Fund (&ldquo;Preferred Income&rdquo;)</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,803.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,737.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,737.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Preferred Income Fund II (&ldquo;Preferred Income II&rdquo;)</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,803.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,737.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,737.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Preferred Income&nbsp;&nbsp;Fund III (&ldquo;Preferred Income III&rdquo;)</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,803.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,737.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,737.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Premium Dividend Fund (&ldquo;Patriot Prem Div&rdquo;)</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$7,968.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$7,679.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$7,679.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(210,247,250)">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Tax-Advantaged Dividend Income Fund Tax-Adv. Div Income&rdquo;)</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,668.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,608.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,608.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Tax-Advantaged Global Shareholder Yield Fund (&ldquo;Tax-Adv. Global S/H Yield&rdquo;)</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,568.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,511.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,511.00</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-indent: -18pt">&nbsp;</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: center">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Fee Schedule &ndash; Page 5</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The Administration and Account Maintenance fees cover all of the services
and are subject to the allowances listed below.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><I>-------------------- All allowances are on a per
fund basis --------------------</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 34%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Fee</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; background-color: #D8D4C9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">BTO&nbsp;&nbsp;<SUP>(a)</SUP></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; background-color: #D8D4C9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Hedged
    Equity &amp; Income Fund</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; background-color: #D8D4C9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Income
    Securities</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; background-color: #D8D4C9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Investors
    Trust</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; background-color: #D8D4C9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Premium
    Div Fund&nbsp;&nbsp;<SUP>(b)</SUP></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; background-color: #D8D4C9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Preferred
    Income</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; background-color: #D8D4C9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Preferred
    Income II</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; background-color: #D8D4C9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Preferred
    Income III</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; background-color: #D8D4C9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tax-Adv.
    Div Income</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; background-color: #D8D4C9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tax-Adv.
    Global S/H Yield&nbsp;&nbsp;<SUP>(c)</SUP></FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">No.
    of Active Accounts Maintained</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$2.50
    / Year</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,800</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,000</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,300</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,700</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,600</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">500</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">500</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">500</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">500</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,000</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">No.
    of Inactive Accounts</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">No.
    of Dividend Reinvestment Accounts Maintained</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$4.00
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,400</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">100</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,500</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,050</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,300</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">100</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">100</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">100</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">100</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">100</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">No.
    of Legal Review Items Processed</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$50.00
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">No.
    of Certificates Issued &amp; Book Entry Credits</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">No.
    of Certificates Cancelled &amp; Book Entry Debits</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">No.
    of Additional Mailings per Year (including one enclosure)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">See
    Below</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">No.
    of Reports, Analyses, Lists, or Labels</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">No.
    of Inspectors of Election</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$1,500.00
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">No.
    of Respondent Bank Omnibus Proxies</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$150.00
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">No.
    of S/H Telephone Calls Handled by IVR System <SUP>(d)</SUP></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">No.
    of S/H Telephone Calls Transferred from IVR to CSR <SUP>(d)</SUP></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$5.25
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">500</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,075</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,700</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,600</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">310</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">310</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">310</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">310</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">No.
    of Correspondence Items Responding to S/H Inquiries</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$15.00
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">100</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">250</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">250</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">500</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">60</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">60</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">60</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">60</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">No.
    of on line Transactions <SUP>(e)</SUP></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;IVR = Interactive Voice Response;
CSR = Customer Service Representative</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On Line Transactions are defined
as any shareholder transaction initiated through the web, including, but not limited to, share sales or purchases, duplicate statement
or tax form requests, address or pin changes, account changes or updates and certificate requests.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><I>-------------------- All allowances are on a per
fund basis --------------------</I></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-indent: -18pt">&nbsp;</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: center">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Fee Schedule &ndash; Page 6</P>

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    <!-- Field: /Page -->



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="border: Black 1pt solid; padding: 3pt; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">No.
    of SEC Mandated Lost S/H Database Searches</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$2.50
    per a/c $250 min</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25</FONT></TD>
    <TD STYLE="border: Black 1pt solid; padding: 3pt; width: 6%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 6%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">E
    delivery Administration Fee (Electronic delivery of meeting materials)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">As
    appraised </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Evote
    Administration Fee</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">As
    appraised </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Telephone
    Votes</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Internet</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unlimited</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Investor
    / Broker Directed Movement of Shares</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; background-color: #D0E0EE; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$3.00
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">50</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">50</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">50</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">50</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">50</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">50</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">50</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">50</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">50</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">50</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 5.4pt">(a) JH Bank &amp; Thrift charges $1.50 per S/H telephone calls
transferred from IVR to a CSR.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 5.4pt">(b) JH Patriot Premium Dividend II the Number of certificates
issued / cancelled and book entry credits / debits in included for no additional fee.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-indent: -18pt">&nbsp;</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: center">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Fee Schedule &ndash; Page 7</P>
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    <DIV STYLE="margin-bottom: 6pt; border-bottom: Silver 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->



<P STYLE="text-align: center; font: bold 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><U>Dividend Disbursement Fee</U></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0"><U>&nbsp;</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Number of dividends processed per year. The dividend disbursement fee includes
all of the services listed below.</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 11pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; width: 66%; border: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Fund Name</B></FONT></TD>
    <TD STYLE="padding: 5.4pt; width: 34%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Included</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Financial Opportunities Fund</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Hedged Equity &amp; Income Fund</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Income Securities</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Investors Trust</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Patriot Premium Dividend Fund</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Preferred Income</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Preferred Income II</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Preferred Income III</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Tax-Adv. Global S/H Yield</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Tax-Adv. Div Income&#9;</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Preparing and mailing checks</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Reconciling checks</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Preparing payment register in list form</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Withholding and filing taxes for non-resident aliens and others</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Filing federal tax information returns</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Processing &ldquo;B&rdquo; and &ldquo;C&rdquo; notices received from the IRS</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Mailing required statements (Form 1099DIV or Form 1042) to registered holders</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Maintaining stop payment files and issuing replacement checks</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Maintaining separate dividend addresses</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Receiving, verifying and posting funds to cover entire dividend distribution on mailing date of checks&#9;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-indent: -18pt">&nbsp;</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: center">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Fee Schedule &ndash; Page 8</P>
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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->



<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><U>INVESTOR PLAN SERVICES FEE SCHEDULE</U></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; width: 42%; border: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>Item</U></B></FONT></TD>
    <TD STYLE="padding: 5.4pt; width: 17%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>Amount</U></B></FONT></TD>
    <TD STYLE="padding: 5.4pt; width: 24%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>Note</U></B></FONT></TD>
    <TD STYLE="padding: 5.4pt; width: 17%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>Paid By <SUP>1</SUP></U></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Plan Set Up Fee </FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2,500</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Per Fund</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Clients</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Fulfillment Processing </FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.50</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Per request </FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Clients</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Reinvestment Trading Fee</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$.05</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Per share</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Participant</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Purchase of Additional Shares<BR>
&nbsp;&nbsp;By check<BR>
&nbsp;&nbsp;By Electronic Transfer<BR>
&nbsp;&nbsp;Trading Fee</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><BR>
$5.00<BR>
$2.00<BR>
$.05</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><BR>
Per investment<BR>
Per investment<BR>
Per share</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><BR>
Participant</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Sale of Shares <SUP>2</SUP><BR>
&nbsp;&nbsp;Trading Fee</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.00<BR>
$.05</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Per share</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Participant</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Safekeeping</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No Charge</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Duplicate Statement &ndash; Prior Year</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No Charge</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Insufficient Funds or Rejected Automatic Debit</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$35.00</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Per check or debit</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Participant</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Other services including (but not limited to):<BR>
&nbsp;&nbsp;Certificate Issuance<BR>
&nbsp;&nbsp;Transfer of Shares</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Per Stock Transfer Agency Contract</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Clients</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Expenses including (but not limited to):&nbsp;&nbsp;Forms/Brochures, Postage, 800 Number, etc.</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">As incurred</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Clients</FONT></TD></TR>
  </TABLE>


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; width: 13%; border: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Note 1</FONT></TD>
    <TD STYLE="padding: 5.4pt; width: 87%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Fees could be:<BR>
&ldquo;P&rdquo;, Participant Paid or &ldquo;C&rdquo;, Clients Paid</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Note 2</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Including sales of fractional shares upon termination from plan.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; width: 68%; border-top: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Escheatment Services</B></FONT></TD>
    <TD STYLE="padding: 5.4pt; width: 32%; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Compliance Services</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Included</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">SEC Mandated Electronic Database &amp; New Address Retrieval Mailing<BR>
<I>(subject to the following minimum)</I></FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.00 per account<BR>
$250.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Each state mandated due diligence mailing<BR>
<I>(subject to the following minimum)</I></FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$2.50 per account<BR>
$250.00</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 5.4pt; vertical-align: top; border-bottom: Black 1pt solid; border-left: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">In-Depth Search and Location Services</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>(Annual compliance services include all of the services listed below)</I></P></TD>
    <TD STYLE="padding: 5.4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No charge to Clients</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Assist in establishing compliance with the unclaimed property requirements of all jurisdictions that may have a claim on escheatable
property held by your organization</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                            </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Processing records and property subject to reporting based upon current state statutes, rules, and regulations</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                                                                                                                         </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Identifying property that has become escheatable since the last filing date</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                                                                                      </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Review state regulations to determine if there have been any changes in reporting procedures</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>

<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="text-align: left; width: 18pt">&bull;</TD><TD>Reporting and remitting property to states</TD></TR></TABLE>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; width: 68%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>ISSUER ONLINE System Access</B></FONT></TD>
    <TD STYLE="padding: 5.4pt; width: 32%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Included</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Providing client access to Agent&rsquo;s mainframe inquiry and internet based system for management reporting and shareholder records</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                                                                                                                                                </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Providing daily data on registered shareholders</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>

<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Providing daily access to proxy tabulation file during proxy season&#9;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; width: 71%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>DIRECT REGISTRATION/PROFILE SYSTEM</B></FONT></TD>
    <TD STYLE="padding: 5.4pt; width: 29%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-indent: -18pt">&nbsp;</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: center">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Fee Schedule &ndash; Page 9</P>
<!-- Field: Page; Sequence: 9 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Silver 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; width: 71%; border-top: Black 1pt solid; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Enrollment Fee</FONT></TD>
    <TD STYLE="padding: 5.4pt; width: 29%; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Included</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Surety Fee</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Included</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Stock Distribution Event&nbsp;&nbsp;&ndash; full, full and fractional shares</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.50</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">DRS Fee, per statement </FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Investor directed movement of shares, each</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Broker directed movement of shares, each</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$3.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">DRS/Profile reject fee, each</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$5.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">DRS/Profile Broker Authorization Form, each</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1.50</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-top: Black 1pt solid; border-left: Black 1pt solid; font-size: 12pt; width: 71%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>ACH/DIRECT DEPOSIT SERVICES</B></FONT></TD>
    <TD STYLE="padding: 5.4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: right; width: 29%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Initial Setup Fee </FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Included</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Maintenance Fee</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Included</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">ACH file transmission, each distribution, per item</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Included</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Placement of Stop Payment Order</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$10.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Returns/Reversals, per occurrence</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>(Annual Maintenance includes all of the services listed below)</I></P></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$10.00</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Processing returned authorization forms</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Posting bank information to accounts</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Creating pre-note transactions and sending to clearinghouse</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Following up on rejects</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Produce and mail checks for returned items</TD></TR></TABLE>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left">ADDITIONAL SERVICES AVAILABLE UPON REQUEST</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; width: 71%; border-top: Black 1pt solid; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>STANDARD MAILING SERVICES<BR>
</U></B>Minimum charge for each of the below services</FONT></TD>
    <TD STYLE="padding: 5.4pt; width: 29%; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><BR>
$500.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Addressing mailing medium, per name</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.05</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Affixing labels, per label</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$0.04</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Machine Inserting<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1<SUP>st</SUP> Enclosure, per piece<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2<SUP>nd</SUP> Enclosure, per piece<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each Enclosure thereafter, per piece</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><BR>
$0.05<BR>
$0.04<BR>
$0.03</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Manual Inserting</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By Appraisal</FONT></TD></TR>
  </TABLE>




<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; width: 71%; border-top: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>OTHER SERVICES</U></B></FONT></TD>
    <TD STYLE="padding: 5.4pt; width: 29%; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Confidential Proxy Voting</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By Appraisal</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Dividends &ndash; Special Cash Dividends</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By Appraisal</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Electronic Distribution of Materials</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By Appraisal</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Foreign Tax Re-claim</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By Appraisal</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Householding of Annual Meeting and Other Materials</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By Appraisal</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Interactive Online Meeting Services</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By Appraisal</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding: 5.4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Logistics Services (including document transportation, fulfillment, printing and media placement)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By Appraisal</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-indent: -18pt">&nbsp;</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: center">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Fee Schedule &ndash; Page 10</P>

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<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; padding: 5.4pt; border-left: Black 1pt solid; width: 71%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Mailing Quarterly or Periodic Reports</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding: 5.4pt; border-right: Black 1pt solid; text-align: right; width: 29%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By Appraisal</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Maintaining Mail Lists</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By Appraisal</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Secondary Offerings or Closings</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By Appraisal</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Stock Splits and Stock Dividends</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By Appraisal</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Special Meetings</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By Appraisal</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Survey Tabulation</FONT></TD>
    <TD STYLE="padding: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By Appraisal</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-indent: -18pt">&nbsp;</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: center">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Fee Schedule &ndash; Page 11</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">ADDITIONAL SERVICES PROVIDED BY AGENT</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5.4pt; width: 100%; border: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">In addition to transfer agent services, Agent also provides the following
    related services. Contact your Sales Representative or Client Service Manager for additional information.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">Bank/Broker Distributions</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">Corporate Stock Buy-Back Services</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">Custodial Services</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">Employee Stock Option Plan Administration</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">Employee Stock Purchase Plan Administration</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">Escrow Services</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">Exchange or Tender Offer Processing</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">Financial Planning Services</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">Odd-Lot Program Administration</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">Proxy Solicitation</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">StockWatch (beneficial owner identification)</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">Subscription Agent Services</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">Rights Agency</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">Warrant Agency</P></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-indent: -18pt">&nbsp;</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: center">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Fee Schedule &ndash; Page 12</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>EXPENSES AND OTHER CHARGES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Fees and Expenses: </I>The cost of stationery and supplies, including
but not limited to transfer sheets, dividend checks, envelopes, and paper stock, together with any disbursement for telephone, postage,
mail insurance, travel for annual meeting, link-up charges for ADP and tape charges from DTC are billed in addition to the above fees.
All charges and fees, costs, expenses and disbursements of Agent are due and payable by Client upon receipt of an invoice from Agent.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">With respect to any shareholder mailing processed by Agent, Client shall,
at least one business day prior to mail date, provide immediately available funds sufficient to cover all postage due on such mailing.
For any dividend mailing, Client shall, at least one business day prior to the mail date, also provide immediately available funds sufficient
to pay the aggregate amount of dividends to be paid.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Offering Administration Fee: </I>A minimum fee of $5,000 will be imposed
for activities associated with initial public offerings (IPO&rsquo;s), secondary offerings and / or closings. The fee covers the coordination
of efforts necessary between Agent, the Client&rsquo;s underwriters, the banknote company and DTC in order to effect the closing. This
fee will cover the issuance of up to 200 certificates and / or book-entry credits. Certificates and /or book-entry credits over this amount
will be billed at $2.00 each. This fee is in addition to any fees Agent may charge for coordination of selling shareholders, custody services
and / or escrow services.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Conversion:</I> If an out-of-proof condition exists at the time of conversion,
and such condition is not resolved within 90 calendar days of such conversion, Client agrees to provide Agent with funds or shares sufficient
to resolve the out-of-proof condition promptly after the expiration of such 90 day period.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Deconversion: </I>Upon expiration or termination of this Agreement, Clients
shall pay Agent a fee for deconversion services (e.g., providing shareholder lists and files, producing and shipping records, answering
successor agent inquiries). This fee shall be based on Agent&rsquo;s then-current deconversion fee schedule.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Legal Expenses, System Modifications: </I>Certain expenses may be incurred
in resolving legal matters that arise in the course of performing services hereunder. This may result in a separate charge to cover Agent&rsquo;s
expenses (including the cost of external or internal counsel) in resolving such matters; provided that any legal expenses charged to the
Clients shall be reasonable.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">In the event any federal, state or local laws, rules or regulations are
enacted that require Agent to (i) make any adjustments and/or modifications to its current system, or (ii) provide additional services
to Client for which Agent is not being compensated hereunder, then Clients shall compensate Agent (a) on a pro rata basis proportionate
to the Clients&rsquo; registered shareholder base, for the costs associated with making such required adjustments and/or modifications,
or (b) according to Agent&rsquo;s standard fees established, in good faith, with respect to such additional services.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Other Services: </I>Fees for any services provided to Clients by or on
behalf of Agent hereunder that are not set forth above will be based on Agent&rsquo;s standard fees at the time such services are provided
or, if no standard fees have been established, an appraisal of the work to be performed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="letter-spacing: 0pt"><I>&nbsp;</I></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="letter-spacing: 0pt"><I>Bank Accounts</I>: </FONT>All funds
received by Agent under this Agreement that are to be distributed or applied by Agent in the performance of Services (the &ldquo;<B>Funds</B>&rdquo;)
shall be held by Agent as agent for Clients and deposited in one or more bank accounts to be maintained by Agent in its name as agent
for Clients. Until paid pursuant to this Agreement, Agent may hold or invest the Funds through such accounts in: (a) obligations of, or
guaranteed by, the United States of America; (b) commercial paper obligations rated A-1 or P-1 or better by Standard &amp; Poor&rsquo;s
Corporation (&ldquo;<B>S&amp;P</B>&rdquo;) or Moody&rsquo;s Investors Service, Inc. (&ldquo;<B>Moody&rsquo;s</B>&rdquo;), respectively;
(c) AAA rated money market funds that comply with Rule 2a-7 of the Investment Company Act of 1940; or (d) demand deposit accounts, short
term certificates of deposit, bank repurchase agreements or bankers&rsquo; acceptances, of commercial banks with Tier 1 capital exceeding
$1 billion or with an average rating above investment grade by S&amp;P (LT Local Issuer Credit Rating), Moody&rsquo;s (Long Term Rating)
and Fitch Ratings, Inc. (LT Issuer Default Rating) (each as reported by Bloomberg Finance L.P.). Agent shall have no responsibility or
liability for any diminution of the Funds that may result from any deposit or investment made by Agent in accordance with this paragraph,
including any losses resulting from a default by any bank, financial institution or other third party. Agent may from time to time receive
interest, dividends or other earnings in connection with such deposits or investments. Agent shall not be obligated to pay such interest,
dividends or earnings to Clients, any shareholder or any other party.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0">Fee Schedule &ndash; Page 13</P>

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<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><B>Exhibit E</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Privacy and Information Security Addendum</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">This Privacy and Information Security Addendum <B>(&ldquo;Security
Addendum&rdquo;) </B>comprises additional obligations of Agent to Clients and are incorporated into and constitute a material part of
the Agreement. All capitalized terms not otherwise defined in this Security Addendum shall have the meaning given to them in the Agreement.
Agent and Clients agree as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Personal
Information. </B>As between Agent and Clients, all non-public information about living individuals received from Clients. otherwise obtained
by Agent in connection with the Agreement, or to which Agent has access in the course of performing the services <B>(..Personal Information&rsquo;&middot;)
</B>is the sole and exclusive property of Clients. including without limitation names. signatures, addresses. email addresses. telephone
numbers, account numbers and information. social security numbers and other personal identification numbers. financial data. date of birth.
transaction in formation , user names, passwords. security codes, employee ID numbers, and identity photos .</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Use
of Personal Information. </B>Agent may access. collect, use, disclose. and store Personal Information only as reasonably necessary to
perform its obligations under the Agreement and for no other purpose. unless it obtains prior written (including in electronic format)
consent from Clients or the individual. Without limiting its other obligations hereunder. Agent (a) will treat all Personal Information
as Confidential Information of Clients: and</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">(b) except as otherwise set forth in the Agreement
, may disclose Personal Information to its affiliates, agents and subcontractors as reasonably necessary to perform its obligations under
the Agreement. Agent may not disclose Personal Information to any other third party without Clients &lsquo; prior written consent.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>U.S.
Privacy Regulations. </B>The Agreement or the services may be governed by one or more U.S. privacy laws or regulations (collectively,
the <B>&ldquo;U.S. Privacy Regulations&rdquo;) </B>including, without limitation. the Gramm-Leach-Bliley Act of 1999, CAL. CIV. CODE &sect;1798.82.
and MA 201 C.M.R. &sect;1 7.00. If so governed, then (a) the term.. Personal Information .. shall further include all Nonpublic Personal
Information. Personal Information. material nonpublic in format ion, and similar terms. as each of those terms is defined in or by application
of each respective U.S. Privacy Regulation: and (b) Agent will comply with all requirements of the U.S. Privacy Regulations applicable
to Personal Information actually received by Agent. If a U.S. Privacy Regulation applicable to Agent under the Agreement is amended. and/or
if any other state or federal law or regulation is effected such that a more restrictive standard of confidentiality or obligation of
privacy or security is imposed with respect to an applicable component of the Personal Information portions of the Confidential Information.
then such more restrictive standard shall prevail over the provisions of the Agreement with respect to those portions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Security
Safeguards. </B>Agent will establish and maintain administrative. physical and technical safeguards designed to protect against unauthorized
access, use, disclosure, alteration or destruction of Personal Information. including . without limitation. a written information security
program <B>(&ldquo;Information Security Program&rdquo;) </B>that complies with the Privacy Regulations. The Information Security Program
shall include the maintenance of policies and procedures. and technical, physical, and administrative safeguards, designed to (a) ensure
the security and confidentiality of the Confidential Information. (b) protect against any anticipated threats or hazards to the security
or integrity of Confidential Information, (c) protect against unauthorized access to or use of such in format ion. and (d) ensure appropriate
disposal of the Confidential Information. Without limiting the foregoing. Agent shall comply with the Information Security Controls attached
to this Security Addendum as <U>Attachment 1 </U>. Agent certifies that its Information Security Program is and shall be in compliance
with MA 201 <B>C.M.R. </B>&sect; 1 7.00. In furtherance of the foregoing.
the parties will exchange all electronic data in accordance with Agent&rsquo;s then-current security protocols and policies. including
without limitation, minimum encryption and password requirements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0">Fee Schedule &ndash; Page 14</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Security
Breach. </B>Agent will promptly (but in no event more than seventy-two (72) hours) notify Clients in writing following Agent&rsquo;s confirmation
that there has been an unauthorized acquisition, use. or disclosure of. or access to. Personal Information <B>(&ldquo;&lsquo;Security
Breach&rdquo;). </B>After providing such notice, Agent will investigate the Security Breach. take commercially reasonable steps to eliminate
or contain the exposures that led to such Security Breach, and keep Clients advised of the status of such Security Breach and all matters
related thereto. Agent further agrees to provide reasonable assistance and cooperation requested by Clients, in the furtherance of any
correction. remediation, or investigation of any such Security Breach and/or the mitigation of any damage. including. without limitation.
any notification that Clients may determine appropriate to send to individuals impacted by the Security Breach, and/or the provision of
any credit monitoring services that Clients deems appropriate to provide to such individuals. The costs of all such assistance. cooperation,
correction, remediation or investigation shall be allocated between Clients and Agent as agreed in writing between the parties prior to
the time such actions are to be implemented. Unless required by law. Agent shall not notify any individual or any third party other than
law enforcement of any Security Breach involving Personal Information without first consulting with. and obtaining the permission of.
Clients. In addition. within thirty (30) days of identifying a confirmed Security Breach. Agent shall develop and execute a plan, to
the extent practical. that reduces the likelihood of a recurrence of such Security Breach .</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Return
or Destruction of Personal Information. </B>Promptly upon expiration or termination of Agent&rsquo;s obligations to provide services under
the Agreement, or such earlier time as Clients reasonably requests with respect to Personal Information that is no longer necessary for
Agent to provide the services. Agent shall return to Clients, or securely destroy (or render unreadable or undecipherable if return is
not reasonably feasible or desirable by Clients), each and every original and copy in every media of all Personal Information in Agent&lsquo;s possession. custody or control. Notwithstanding the foregoing. if applicable law or Agent&rsquo;s standard or customary record
retention policies or procedures do not permit Agent to return or destroy the Personal In format i on, or if such return or destruction
is commercially unreasonable under the circumstances. Agent will retain such Personal Information (but only so long as required by such
policies or procedures. or for so long as such commercial unreasonability continues). and will continue to maintain the confidentiality
of the Personal Information in accordance with the Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Business
Continuity Plan. </B>Agent shall maintain plans for business continuity. disaster recovery. and backup capabilities and facilities designed
to ensure Agent&rsquo;s continued performance of its obligations under this Agreement. including without limitation loss of production.
loss of systems. loss of equipment. failure of carriers and the failure of Agent&lsquo;s or its suppliers&rsquo; equipment. computer
systems or business systems <B>(&ldquo;Business Continuity Plan&rsquo;&ldquo;). </B>Such Business Continuity Plan shall include, but not
be limited to, testing, accountability. and corrective actions designed to be immediately implemented, if necessary. Agent will provide
a summary of such Business Continuity Plan to Clients upon request. Agent shall test its Business Continuity Plan a minimum of once each
calendar year.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Annual
Operational Controls Audits. </B>Agent will engage a certified public accounting firm to conduct an SSAE 18. ISAE 3402. AT-C Section 205
(Criteria set forth in TSP Section 100. 2017 Trust Services Criteria for Security. Availability. Processing Integrity. Confidentiality,
and Privacy (SOC 2)J, or equivalent audit of Agent&rsquo;s control environment as applicable to the services provided hereunder and prepare
a report on an annual basis. Agent shall make available to Clients a copy of such report prepared in connection with such audit. within
a reasonable amount of time after request by Clients. Clients will pay a fee for the report in accordance with Agent&rsquo;s tee schedule
in effect at such time.</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0">Fee Schedule &ndash; Page 15</P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Transition
Cooperation. </B>Upon receipt of written notice of termination. the parties will use commercially reasonable efforts to effect an orderly
termination of this Agreement. Without limiting the forego in g. Agent will deliver Clients&rsquo; records in industry standard format
to Clients or the successor agent designated by Clients in accordance with Clients&rsquo; request.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0">Fee Schedule &ndash; Page 16</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"></P>

<P STYLE="font: bold 10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Attachment 1 to Privacy and Information Security
Addendum</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Information Security Controls</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">l.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Scope. </B>This <U>Attachment
</U>I details the information security controls to be applied to Clients&rsquo; Confidential Information during the Term of the Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I><B>Definitions.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&ldquo;Information Security Policy&rdquo; </B>means
a high-level document containing a set of principles relating to information security that includes the Overall intention and direction
as formally expressed and modified from time to time by management.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&ldquo;Information Security Standard&rdquo; </B>defines
the principles and minimum controls necessary for protecting Confidential Information and supporting the Information Security Policy.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&ldquo;Technical Security Standards&rdquo; </B>means the technology platform specific security standards that detail the mandatory baseline and enhanced levels of security for Agent IT
systems.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Information
Security Controls. </B>Agent has established and during the Term will maintain an Information Security Standard aligned with industry
practice (such as the International Organization for Standardization&rsquo;s standards: ISO/IEC 2700 I: 201 3). Information security responsibilities
are defined in the Information Security Standard and the Information Security Policy is reviewed on a periodic basis and approved by senior
management.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Information
Security Questionnaire. </B>Annually, upon request. Agent will complete and deliver to Clients a Standard Information Gathering (SIG)
Questionnaire. If Clients have additional questions that are not covered in the SIG or by the scope of the most recent SSAE 18, ISAE 3402,
AT-C Section 205 or equivalent audit report. Clients may contact its relationship or account manager , who will facilitate a conversation
with Agent&lsquo;s Global Information Security &amp; Risk Group.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Asset Management.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">5.1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Agent will
keep asset inventories up-to-date using manual and automated discovery processes and tools. where practical. and will protect asset inventories
against unauthorized modification.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">5.2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Information
owners and information custodians will be assigned to all business applications with clear responsibilities defined in the Information
Security Policy.</P>

<P STYLE="text-indent: 32pt; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">5.3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Information
security risk assessments will be conducted against all applications on an annual basis. or in the event of material change.</P>

<P STYLE="text-indent: 32pt; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">5.4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All Agent
employees are required to adhere to the information classification and labeling guidelines published in the Information Security Standard.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B> Human Resource
Security.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 32pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6.1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
newly-hired employees will be subject to screening prior to employment. which may include drug screening and background checks in accordance
with Schedule A (Hiring Criteria) attached hereto . The screening processes are conducted in accordance with relevant national
laws and industry regulations and provide verification of identity. references and credentials.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0">Fee Schedule &ndash; Page 17</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">6.2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Temporary
employees will be evaluated in substantially the same manner as permanent employees. Agent reviews the screening processes of the contract
staffing agencies through its supplier management program.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 32pt; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">6.3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All employees
will be required to complete an annual information security awareness program.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">6.4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Violations
and breaches of the Information Security Policy will be investigated and disciplinary actions may be taken in accordance with internal
Human Resource policies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">6.5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Upon termination.
transfer, or reassignment. as applicable. Agent will disable inactive accounts of users in a timely manner, require return of assets,
and remove access rights.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-weight: normal">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;</FONT>Physical and Environment Security.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">7.1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Physical
access to Agent&rsquo;s on-site data centers will be strictly controlled by proximity card access groups that are limited to the operations
staff who require access to perform their contracted roles.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">7.2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Agent&rsquo;s
on-site data centers will have strict controls to protect against environmental threats such as over-heating, flooding, fire, dust and
chemical pollutants.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">7.3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Agent&rsquo;s
on-site data centers will have dual power feeds. monitored Uninterruptible Power Supply (UPS) systems. back-up generators with on-site
fuel store. redundant air conditioning systems, and a dual-path telecommunications infrastructure for critical communications systems.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">7.4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Confidential
Information will be securely erased using industry-standard data deletion utilities. physically destroyed. or returned to Clients. subject
to the terms and conditions of the Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-weight: normal">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</FONT>Communications and Operations Management.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">8.1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
technology teams will maintain internal libraries of standard operating procedures that cover the installation, configuration. maintenance, and administration of the Agent systems. networks , and business applications.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">8.2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Changes
to production systems <I>(e .g., </I>upgrades and modifications to business applications emergency fixes. changes to systems and networks.
new code deployments) will be subject to appropriate change management processes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">8.3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Segregation
of duties will be maintained to minimize risk of theft. fraud. error. and unauthorized changes to information. unless mitigating controls
are implemented <I>( e.g.. </I>monitoring. log tile reviews. spot checks. audit trails).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">8.4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Development.
UAT. and handover environments are segregated.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">8.5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Capacity planning activities
are included in the system planning process and also in response to changing business requirements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0">Fee Schedule &ndash; Page 18</P>

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<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0; text-indent: 32pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">8.6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Documented
operating procedures are maintained that include the scope, frequency. methods and technologies used in data back-up.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">8.7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Network
security controls are appropriately implemented and managed <I>(e.g.. </I>network gateways. switches. routers. firewalls. IDS. load balancers).
The technical security controls for each core technology are documented in the relevant Agent Technical Security Standards and incorporate
security architecture principles and security hardening guidelines.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">8.8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Agent
desktop and laptop computers are installed with data loss prevention software that is configured to prevent the copying of certain information
types <I>(e.g.. </I>Shareholder Reference Numbers. Social Security numbers. National Insurance numbers. Confidential Information) to all
removable media devices <I>(e.g., </I>CD. external hard-drive. USB flash drive).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">8.9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Confidential
Information stored on Agent IT systems is securely destroyed before the asset ts decommissioned, sold. or transferred to an external
party.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">8.10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
critical Agent IT systems, applications. and network devices are configured to generate and record security event logs and maintain the
integrity of important security-related information.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">8.11. &nbsp;&nbsp;&nbsp;&nbsp;The logs generated by
Agent IT systems. applications. and network devices are stored. retained and protected from unauthorized access. destruction, and
modification in accordance with business requirements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">8.12.&nbsp;&nbsp;&nbsp;&nbsp;Where applicable. encryption
is used to protect Confidential Information in transit (excluding such Confidential Information transmitted within Agent&rsquo;s internal
network) and at rest. including when stored on portable media and on de, ices outside of the Agent environment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">8.13.&nbsp;&nbsp;&nbsp;&nbsp;An appropriate non-disclosure
agreement will be in place prior to transmission of Confidential Information outside of the Agent IT environment to a third-party supplier.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">8.14.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Processes to assess third-party
service deli very. including the assessment of the information security status of each supplier, will be established at a frequency that
is commensurate with the criticality rating of the supplier.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-weight: normal">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</FONT>Internal Access Control to Agent Systems.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 32pt; margin: 0">9.1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Allocation
and use of privileges within the Agent systems will be restricted and controlled using appropriate procedures for authorization and control.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 32pt; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">9.2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Appropriate
mechanisms for user authentication and authorization will be maintained in accordance with a &ldquo;least privilege&rdquo; policy based
on need to know for the role.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">9.3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Controls
will be maintained to enforce rigorous access restrictions for remote users. contractors and service providers.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">9.4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Timely and accurate administration of user accounts and authentication management will be implemented. including a periodic recertification
process. based on the criticality of the system.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">9.5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following processes will be maintained: processes to ensure assignment of unique IDs to each person with system access; processes to
ensure Agent-supplied defaults for passwords and security parameters are </FONT>changed and appropriately managed; processes to
disable access to inactive accounts or accounts of terminated/transferred users in a timely manner.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0">Fee Schedule &ndash; Page 19</P>

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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-weight: normal">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Information
Systems Development, Acquisition and Maintenance.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">10.1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Due
consideration of security issues is given during system and application development processes to provide assurance of the robustness and
effectiveness of system security controls.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">10.2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Correct
processing is facilitated in applications by including controls around data input and output validation. message integrity, and controlled
internal processing.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">10.3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Confidential
Information is exchanged in accordance with security protocols. including encryption.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">10.4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Confidential
Information stored on laptops is encrypted.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">10.5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Change
management procedures are in place for system changes within the operational environment. including the installation of software or patches.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">10.6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Procedures
for ensuring the security of system files will be maintained. including change management processes for operating software. mechanisms
for protection of system test data. and access controls to program source code.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">10.7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Robust
controls will be maintained for the identification and management of technical vulnerabilities. including governance frameworks for the
testing and deployment of system. software and security patches. and anti virus pattern and signature updates.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">10.8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Agent
will conduct monthly scans against Internet-facing operating systems and annual scans against internal endpoints with a current commercially
available vulnerability assessment tool.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">10.9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Agent. on its own or through
its affiliate. conducts penetration tests against certain critical-rated applications identified by Agent on a periodic basis. Upon request,
Agent will provide to its clients executive summary results of these scans. which will list the number and severity of issues found, as
well as remediation timelines based on severity.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">10.10.&nbsp;&nbsp;&nbsp;Agent. on its own or through
its affiliate. conducts vulnerability assessments against its externally- facing network infrastructure on a periodic basis according to
a schedule determined by Agent. Upon request. Agent will provide to its clients executive summary results of these scans. which will list
the number and severity of issues found, as well as remediation timelines based on severity.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Information
Security Incident Management.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">11.1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
Agent employees are provided with training and guidance to identify and report information security events.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 32pt; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">11.2. &nbsp;&nbsp;&nbsp;&nbsp;Robust procedures are
maintained for governing the management of information security incidents.</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0">Fee Schedule &ndash; Page 20</P>

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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-weight: normal">12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Business
Continuity Management.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">12.1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Agent has a formal global process and provides
a centralized toolset to allow business units to collect the information to build their Business Impact Analysis (BIA).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">12.2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Business
Continuity program includes a plan to help ensure staff are trained and adequately prepared.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 30pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 32pt">12.3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Business
Continuity plans are regularly updated and tested.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">13.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Logical Separation.&#9;</B>Agent will maintain all customer information
logically distinct from other information of Agent and its other customers.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0">Fee Schedule &ndash; Page 21</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Schedule A</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Hiring Criteria</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Background
Check Requirements</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Agent Background Check Criteria</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Considering whether or not to hire an individual based on the individual&rsquo;s
prior conduct as evidenced by a conviction or other information provided to the employer, the recruiter must consider the following
factors: (1) the nature and the gravity of the offense or offenses; (2) the time that has passed since the conviction and /or completion of the sentence ; and (3) the nature of the job sought.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Criminal Adjudication Criteria-Ten Year Check</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid"><B>&nbsp;</B></TD>
    <TD STYLE="border-top: Black 1pt solid; padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; text-align: center">Pass<B>&nbsp;</B></TD>
    <TD STYLE="border-top: Black 1pt solid; padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; text-align: center">Fail<B>&nbsp;</B></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 83%; border: Black 1pt solid">No record found or clear</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">X</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 9%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Court
    disposition of not guilty, nolle prosse, waived or dismissed</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">X</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Any
    one misdemeanor conviction or misdemeanors pending court disposition for crimes involving financial matters or&nbsp;&nbsp;violent&nbsp;&nbsp;crimes&nbsp;&nbsp;against
    persons , weapons, burglary. theft. dishonesty and/or drugs within the last 3 years</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">X</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Any
    one misdemeanor conviction or misdemeanors pending court disposition for crimes involving drugs within the last 3 years</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">X</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Any
    three or more misdemeanor convictions within the last 3 years</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>X</B></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Any
    felony&nbsp;&nbsp;conviction&nbsp;&nbsp;involving:&nbsp;&nbsp;financial&nbsp;&nbsp;matters. violent&nbsp;&nbsp;crimes&nbsp;&nbsp;against&nbsp;&nbsp;persons.
    weapons, burglary, dishonesty. theft and/or drugs</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>X</B></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Any
    other felony conviction (will be individually evaluated )</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Computer
    crimes: hacking, software infringement</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>X</B></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Criminal
    conversion/fraud</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>X</B></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Drunk
    driving or related charge (refer to <B>MVR )</B></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>X</B></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Finger
    Printing , negative results</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>X</B></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="background-color: rgb(51,51,51); padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="color: White">Drug
    Testing</FONT></TD>
    <TD STYLE="background-color: rgb(51,51,51); padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="background-color: rgb(51,51,51); padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Drug
    testing, negative results (without prescription)</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>X</B></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; background-color: rgb(51,51,51); padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="color: White">Education
    Adjudication Criteria- Highest Level Completed</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; background-color: rgb(51,51,51); padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; background-color: rgb(51,51,51); padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Degree
    matched</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>X</B></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Dates
    matched, major differs slightly</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>X</B></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Major
    differs dramatically</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>X</B></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">No
    degree awarded when representation was that of a degree</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>X</B></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Institution
    found no record of applicant (will be individually evaluated)</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="background-color: rgb(51,51,51); padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="color: White">Employment
    Adjudication Criteria-Ten Year Check</FONT></TD>
    <TD STYLE="background-color: rgb(51,51,51); padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="background-color: rgb(51,51,51); padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Dates
     off by 3 months combined time considering start and end dates, title slightly off</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">X</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Title
    differs dramatically. confirmation has occurred</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>X</B></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Dates
    off by more than 3 months, confirmation has occurred</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>X</B></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Employer
    found no record of applicant, but applicant provided pay stub or W2 (will be individually evaluated)</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="background-color: rgb(51,51,51); border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="color: White">MVR
    Adjudication Criteria-Then Year Check (during positions only)</FONT></TD>
    <TD STYLE="background-color: rgb(51,51,51); border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="background-color: rgb(51,51,51); border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Three
    or less moving violations</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>X</B></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Drunk
    driving or related charge (one conviction only). Pending status of license.</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>X</B></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Suspended
    license</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>X</B></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Drunk
    driving, reckless driving</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>X</B></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Hit
    and run violations</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>X</B></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Vehicular
    homicide or manslaughter</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>X</B></TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="background-color: rgb(51,51,51); border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="color: White">Licensure</FONT></TD>
    <TD STYLE="background-color: rgb(51,51,51); border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="background-color: rgb(51,51,51); border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><I>This
    criterion applies primarily to positions with specific licensure requirements; however, any represented certifications will be verified
    -- verification of representations that do not match will be individually evaluated</I></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0">Stock Transfer</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0; margin-bottom: 0">Fee Schedule &ndash; Page 22</P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(2)(K)(4)
<SEQUENCE>29
<FILENAME>jhfof-html3755_ex992k4.htm
<DESCRIPTION>AGREEMENT TO WAIVE ADVISORY FEES AND REIMBURSE EXPENSES DATED JUNE 25, 2020
<TEXT>
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<TITLE></TITLE>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: right"><B>EXHIBIT (2)(k)(4)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: right">June 25, 2020</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">To the Trustees of the John Hancock Group of Funds</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">200 Berkeley Street&#9;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt">Boston, MA 02116</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt">Re:&nbsp;&nbsp;&nbsp;&#9;<U>Agreement to Waive Advisory Fees and Reimburse Expenses</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; text-indent: 45.75pt">John Hancock Variable
Trust Advisers LLC (formerly John Hancock Investment Management Services, LLC) and John Hancock Investment Management LLC (formerly John
Hancock Advisers, LLC) (collectively, the &#8220;Advisers&#8221;), each an investment adviser to the investment companies listed in Appendix
A (collectively, the &#8220;John Hancock Funds&#8221;), hereby notify you as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; text-indent: 36pt">1. Each Adviser agrees to
waive its management fee for a John Hancock Fund portfolio, as applicable, or otherwise reimburse the expenses of that portfolio as set
forth below (the &#8220;Reimbursement&#8221;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.5in">2. The Reimbursement shall apply to all John Hancock
Fund portfolios in existence on the date of this Agreement, except those noted below, and to all future John Hancock Fund portfolios to
which an Adviser agrees this Agreement should apply (the &#8220;Participating Portfolios&#8221;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The Reimbursement shall not apply to the following John Hancock Variable
Insurance Trust portfolios:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">Each Managed Volatility Portfolio</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">Each Lifecycle Trust</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">Each Lifestyle Portfolio</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The reimbursement shall not apply to the following John Hancock Funds II
portfolios:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">Each Multi-Index Preservation Portfolio</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">Each Multimanager Lifestyle Portfolio</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">Each Multi-Index Lifestyle Portfolio</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">Each Multimanager Lifetime Portfolio</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">Each Multi-Index Lifetime Portfolio</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">Alternative Asset Allocation Fund</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">Retirement Income 2040 Fund</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The Reimbursement shall not apply to John Hancock Collateral Trust.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The Reimbursement shall not apply to the following John Hancock Strategic
Series portfolios:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">John Hancock Managed Account Shares Investment-Grade Corporate
Bond Portfolio</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">John Hancock Managed Account Shares Securitized Debt
Portfolio</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">John Hancock Managed Account Shares Non-Investment-Grade Corporate
Bond Portfolio</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.5in">3. The Reimbursement shall equal on an annualized basis:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">0.01% of that portion of the aggregate net assets of all the Participating
Portfolios that exceeds $75 billion but is less than or equal to $125 billion;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">0.0125% of that portion of the aggregate net assets of all the Participating
Portfolios that exceeds $125 billion but is less than or equal to $150 billion;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">0.0150% of that portion of the aggregate net assets of all the Participating
Portfolios that exceeds $150 billion but is less than or equal to $175 billion;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">0.0175% of that portion of the aggregate net assets of all the Participating
Portfolios that exceeds $175 billion but is less than or equal to $200 billion;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">0.02% of that portion of the aggregate net assets of all the Participating
Portfolios that exceeds $200 billion but is less than or equal to $225 billion; and</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">0.0225% of that portion of the aggregate net assets of all the Participating
Portfolios that exceeds $225 billion.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The amount of the Reimbursement shall be calculated daily and allocated
among all the Participating Portfolios in proportion to the daily net assets of each such portfolio.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.5in">4. The Reimbursement with respect to each Participating
Portfolio expires on July 31, 2022 unless renewed by mutual agreement of the John Hancock Funds and the Advisers based upon a determination
that this is appropriate under the circumstances at the time.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 36pt">5. This Agreement is effective as of June 25, 2020 and
supersedes the prior Letter Agreement from the Adviser to the Trustees relating to the same subject matter.</P>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Very truly yours,</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Variable Trust Advisers LLC</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 36%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 17%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Jay Aronowitz</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Jay Aronowitz</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0pt; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Investment Management LLC</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 36%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 17%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Jay Aronowitz</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Jay Aronowitz</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 20pt">ACCEPTED BY:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 43%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Bond Trust</FONT></TD>
    <TD STYLE="padding: 4pt; width: 57%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock California Tax-Free Income Fund</FONT></TD>
    <TD STYLE="padding: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Investors Trust</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">John Hancock Capital Series </FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">John Hancock Municipal Securities Trust</Font></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">John Hancock Current Interest </FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Preferred Income Fund </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">John Hancock Exchange-Traded Fund Trust</FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Preferred Income Fund II </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">John Hancock Financial Opportunities Fund </FONT></TD>
    <TD STYLE="padding: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Preferred Income Fund III</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">John Hancock Funds II</Font></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    John Hancock Premium Dividend Fund</font>
   </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Funds III</P></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">John Hancock Sovereign Bond Fund</Font></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Hedged Equity &amp; Income Fund</FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">John Hancock Strategic Series</Font></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Income Securities Trust</FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">John Hancock Tax-Advantaged Dividend Income Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Investment Trust</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"></P></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">John Hancock Tax-Advantaged Global Shareholder Yield Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">John Hancock Investment Trust II</Font></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">John Hancock Variable Insurance Trust </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

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  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">On behalf of each of its series identified as a Participating Portfolio</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 36%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 17%; padding-top: 12pt">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid; padding-top: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">/s/ Andrew G. Arnott</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Andrew G. Arnott</FONT></TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Appendix A</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 43%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Bond Trust</FONT></TD>
    <TD STYLE="padding: 4pt; width: 57%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock California Tax-Free Income Fund</FONT></TD>
    <TD STYLE="padding: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Investors Trust</P>
    </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Capital Series </FONT></TD>
    <TD STYLE="padding: 4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Municipal Securities Trust</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Current Interest </FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">John Hancock Preferred Income Fund </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Exchange-Traded Fund Trust</FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Preferred Income Fund II </FONT>

    </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Financial Opportunities Fund </FONT></TD>
    <TD STYLE="padding: 4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Preferred Income Fund III</P> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Funds II</P>
    </TD>
    <TD STYLE="padding: 4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Premium Dividend Fund</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Funds III</P></TD>
    <TD STYLE="padding: 4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Sovereign Bond Fund</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Hedged Equity &amp; Income Fund</FONT></TD>
    <TD STYLE="padding: 4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Strategic Series</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Income Securities Trust</FONT></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">John Hancock Tax-Advantaged Dividend Income Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Investment Trust</P>
    </TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">John Hancock Tax-Advantaged Global Shareholder Yield Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">John Hancock Investment Trust II</P></TD>
    <TD STYLE="padding: 4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">John Hancock Variable Insurance Trust </FONT></TD></TR>
  </TABLE>


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<DOCUMENT>
<TYPE>EX-99.(2)(L)
<SEQUENCE>30
<FILENAME>jhfof-html3755_ex992l.htm
<DESCRIPTION>LEGAL OPINION DATED JUNE 25, 2021
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>Exhibit (2)(l)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>JOHN HANCOCK FINANCIAL OPPORTUNITIES FUND</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>200 Berkeley Street</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Boston, Massachusetts 02116</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">June 25, 2021</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 185.75pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">To whom it may concern:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">John Hancock Financial Opportunities Fund (the &#8220;Trust&#8221;)
is a business trust formed under the laws of the Commonwealth of Massachusetts (the &#8220;Trust&#8221;), with the powers and authority
set forth under its Amended and Restated Declaration of Trust dated January 22, 2016 (the &#8220;Declaration of Trust&#8221;). The Trustees
of the Trust have the powers set forth in the Declaration of Trust, subject to the terms, provisions and conditions therein provided.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">This opinion is furnished in connection with the filing
with the Securities and Exchange Commission (&#8220;SEC&#8221;) of the Trust&#8217;s Registration Statement on Form N-2 (File Nos. 333-__________
and 811-08568) (the &#8220;Registration Statement&#8221;), for the registration of up to 1,500,000 common shares of beneficial interest
of the Trust, no par value (the &#8220;Shares&#8221;), under the Securities Act of 1933, as amended (the &#8220;1933 Act&#8221;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">I am a member of the Massachusetts bar and have acted
as internal legal counsel to the Trust in connection with the preparation of the Registration Statement. I have examined originals, or
copies, certified or otherwise identified to my satisfaction, of such certificates, records and other documents as I have deemed necessary
or appropriate for the purpose of this opinion.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Based upon the foregoing, and with respect to existing
Massachusetts law (other than the Massachusetts Uniform Securities Act), only to the extent that Massachusetts law may be applicable and
without reference to the laws of the other several states or of the United States of America, I am of the opinion that the Shares, when
issued, sold and consideration therefore is paid in accordance with the Registration Statement, will be legally issued, fully paid and
non-assessable by the Trust. In this regard, however, I note that the Trust is a Massachusetts business trust and, under certain circumstances,
shareholders of a Massachusetts business trust could be held personally liable for the obligations of the Trust.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">I consent to the filing of this opinion with the U.S.
Securities and Exchange Commission as an exhibit to the Registration Statement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Very truly yours,</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 35%; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/ Ariel Ayanna</FONT></TD>
    <TD STYLE="width: 14%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 44%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ariel Ayanna</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Assistant Secretary</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(2)(N)
<SEQUENCE>31
<FILENAME>jhfof-html3755_ex992n.htm
<DESCRIPTION>CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM DATED JUNE 25, 2021
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>EXHIBIT (2)(n)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal"><U>CONSENT OF INDEPENDENT
REGISTERED PUBLIC ACCOUNTING FIRM</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left">We hereby consent to the incorporation by reference in
this Registration Statement on Form N-2 of John Hancock Financial Opportunities Fund of our report dated February 11, 2021 relating to
the financial statements and financial highlights, which appears in John Hancock Financial Opportunities Fund&#8217;s Annual Report on
Form N-CSR for the year ended December 31, 2020. We also consent to the references to us under the headings &#8220;Financial Highlights&#8221;
and &#8220;Independent Registered Public Accounting Firm&#8221; in such Registration Statement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">/s/ PricewaterhouseCoopers LLP</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left">Boston, Massachusetts</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">June 25, 2021</P>

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<DOCUMENT>
<TYPE>EX-99.(2)(R)(1)
<SEQUENCE>32
<FILENAME>jhfof-html3755_ex992r1.htm
<DESCRIPTION>JOHN HANCOCK CODE OF ETHICS DATED JANUARY 1, 2008 (AS REVISED SEPTEMBER 17, 2020) FOR JOHN HANCOCK INVESTMENT MANAGEMENT LLC1 AND JOHN HANCOCK VARIABLE TRUST ADVISERS LLC (EACH, A JOHN HANCOCK ADVISER
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><FONT STYLE="text-transform: uppercase"><B>Exhibit</B></FONT><B>
(2)(r)(1)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><IMG SRC="logop1.jpg" ALT="">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>John Hancock Code of Ethics</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>January 1, 2008</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>(Revised September _17, 2020)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>This is the Code of Ethics for the following:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>John Hancock Investment Management, LLC and</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>John Hancock Variable Trust Advisers, LLC,
LLC</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>(each, a &ldquo;John Hancock Adviser&rdquo;)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>and</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>John Hancock Investment Management Distributors,
LLC</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>John Hancock Distributors, LLC,</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>each open-end fund, closed-end fund, and exchange
traded</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>fund advised by a John Hancock Adviser</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>(the &ldquo;John Hancock Affiliated Funds&rdquo;),</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>(together, called &ldquo;John Hancock&rdquo;)</B></P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Table of Contents</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

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    <TD STYLE="white-space: nowrap; width: 93%; padding: 4 0; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Introduction</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Standards of Business Conduct</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Applicability and Scope</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Access Levels</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Access Level 1</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Access Level 2</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Access Level 3</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Overview of Rules for All Access Persons</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 15; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Brokerage Account Disclosure</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Brokerage Account Examples (non-exclusive list)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Employee Compensation Instruments (non-exclusive list)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">8</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">College Savings Plans - 529s</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">8</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">401(k) and John Hancock Variable Products: John Hancock Affiliated Funds Reporting</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">9</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Managed Accounts</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">9</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Preferred Brokerage Account Requirements</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">9</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Opening/Closing Accounts</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif">10</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Statements and Duplicate Confirmations of Trades</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">10</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Personal Trading</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">10</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 15; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Personal Trading Restrictions for all Access Persons</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">11</FONT></TD></TR>
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    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Reporting and Pre-clearance</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">11</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Level 1 Access Persons: Additional Personal Trading Restrictions and Disclosures</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Level 2 Access Persons: Additional Personal Trading Restrictions and Disclosures</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Level 3 Access Persons: Additional Personal Trading Restrictions and Disclosures</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">17</FONT></TD></TR>
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    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Pre-clearance Process</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">17</FONT></TD></TR>
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    <TD STYLE="white-space: nowrap; padding: 4 0; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Reporting and Certification Requirements</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">18</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 15; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Reporting</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">18</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Reporting Upon Designation</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">18</FONT></TD></TR>
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    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Quarterly Reporting</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">18</FONT></TD></TR>
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    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Annual Reporting</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">19</FONT></TD></TR>
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    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Ad Hoc Reporting</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">19</FONT></TD></TR>

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    <TD STYLE="white-space: nowrap; padding: 4 0; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Administration and Enforcement</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">20</FONT></TD></TR>
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    <TD STYLE="white-space: nowrap; padding: 4 0 4 15; font: 10pt Arial, Helvetica, Sans-Serif; width: 89%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Administration of the Code</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 11%; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">20</FONT></TD></TR>
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    <TD STYLE="white-space: nowrap; padding: 4 0 4 15; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Subadviser Compliance</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">20</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Adoption and Approval</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">20</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Subadviser Reporting &amp; Recordkeeping Requirements</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">21</FONT></TD></TR>
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    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Reporting to the Board</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">21</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 15; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Reporting Violations</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">21</FONT></TD></TR>
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    <TD STYLE="white-space: nowrap; padding: 4 0 4 15; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Exemptions &amp; Appeals</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">22</FONT></TD></TR>
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    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Exemptions:</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif">22</TD></TR>
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    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Appeals</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif">22</TD></TR>
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    <TD STYLE="white-space: nowrap; padding: 4 0 4 15; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Interpretation and Enforcement</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">22</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 15; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Education of Employees</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">23</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 15; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Recordkeeping</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">23</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 15; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Other Important Policies</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">24</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">MFC Code of Business Conduct &amp; Ethics (All Covered Employees)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">24</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Conflicts of Interest Policy (All Covered Employees)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Gift &amp; Entertainment Policy (All Covered Employees)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Insider Trading Policy (All Covered Employees)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Pay to Play Rule on Political Contributions (All Covered Associates)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">25</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Whistleblower Policy (All Covered Employees)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">26</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Policy and Procedures Regarding Disclosure of Portfolio Holdings (All Covered Employees)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">26</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 30; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Additional Policies Outside the Code (All Covered Employees)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">27</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Appendix</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">28</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 15; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Definitions</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">28</FONT></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 15; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Preferred Brokers List</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">32</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="white-space: nowrap; padding: 4 0 4 15; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Compliance Contacts</FONT></TD>
    <TD STYLE="white-space: nowrap; padding: 4 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">33</FONT></TD></TR>
</TABLE>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Introduction&#9;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">John Hancock is required by law to adopt a Code
of Ethics. The purpose of a Code of Ethics is to ensure that companies and their Covered Persons comply with all applicable laws
and to prevent abuses in the investment advisory business that can arise when conflicts of interest exist between the employees
of an investment advisor and its clients. By adopting and enforcing a Code of Ethics, we strengthen the trust and confidence entrusted
in us by demonstrating that at John Hancock, client interests come first.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Code of Ethics (the Code) that follows represents
a balancing of important interests. On the one hand, as registered investment advisers, the John Hancock Advisers owe a duty of
undivided loyalty to their clients and must avoid even the appearance of a conflict that might be perceived as abusing the trust
they have placed in John Hancock. On the other hand, the John Hancock Advisers do not want to prevent conscientious professionals
from investing for their own accounts where conflicts do not exist or that are immaterial to investment decisions affecting the
John Hancock Advisers&rsquo; clients.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">When conflicting interests cannot be reconciled,
the Code makes clear that, first and foremost, Covered Persons owe a fiduciary duty to John Hancock clients. In most cases, this
means that the affected employee will be required to forego conflicting personal securities transactions. In some cases, personal
investments will be permitted, but only in a manner, which, because of the circumstances and applicable controls, cannot reasonably
be perceived as adversely affecting John Hancock client portfolios or taking unfair advantage of the relationship John Hancock
employees have to John Hancock clients.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">The Code contains specific rules prohibiting defined types
of conflicts. Since every potential conflict cannot be anticipated by the Code, it also contains general provisions prohibiting
conflict situations. In view of these general provisions, it is critical that any Covered Person who is in doubt about the applicability
of the Code in a given situation seek a determination from Chief Compliance Officer (CCO), designee, or the Code of Ethics Administration
Group about the propriety of the conduct in advance.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">It is critical that the Code be strictly observed.
Not only will adherence to the Code ensure that John Hancock renders the best possible service to its clients, it will help to
ensure that no individual is liable for violations of law.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">It should be emphasized that adherence
to this policy is a fundamental condition of employment at John Hancock. Every Covered Person is expected to adhere to the requirements
of the Code despite any inconvenience that may be involved. Any Covered Person failing to do so may be subject to disciplinary
action, including financial penalties and termination of employment as determined by the CCO, designee, or Ethics Oversight Committee.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Standards of Business Conduct</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Each Covered Person within the John Hancock
organization is responsible for maintaining the very highest ethical standards when conducting our business.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">This means that you must <B><U>at all times:</U></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>Place the interests of clients first.</B> You have a fiduciary duty at all times to place the
interests of our clients and fund investors first.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>Conduct all personal trading in full compliance with this Code.</B> All of your personal securities
transactions must be conducted consistent with the provisions of the Code that apply to you and in such a manner as to avoid any
actual or potential conflict of interest or other abuse of your position of trust and responsibility.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>Avoid taking inappropriate advantage of your position at John Hancock.</B> You should not take
inappropriate advantage of your position or engage in any fraudulent or manipulative practice (such as front-running or manipulative
market timing) with respect to our clients&rsquo; accounts or fund investors.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>Maintain confidentiality of our clients and John Hancock. </B>You must treat as confidential
any information concerning the identity of security holdings and financial circumstances of clients or fund investors.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>Comply with applicable Federal Securities Laws.</B> You must comply with all applicable federal
Securities Laws.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>Report any violation of the Code.</B> You must promptly report any violation of the Code that
comes to your attention to the CCO (or designee) of your company.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>It is essential that you understand
and comply with the general principles, noted above, in letter and in spirit as no set of rules can anticipate every possible problem
or conflict situation</B>. <B>Failure to comply with the general principles and the provisions of the Code may result in disciplinary
action, including termination of employment.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0"><B>Applicability and Scope</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Individuals subject to this policy will be notified
by the CCO, designee, or the Code of Ethics Administration Group. Generally, if you meet the requirements listed below, you are
deemed an Access Person<SUP>1</SUP> and this Code applies to you<SUP>2</SUP>:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">a director, officer or other Supervised Person of a John Hancock Adviser;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">an interested director, officer or Access Person of John Hancock Investment Management Distributors,
LLC, John Hancock Distributors, LLC, or a John Hancock open-end or closed-end fund registered under the 1940 Act and are advised
by a John Hancock Adviser;<SUP>3</SUP></TD></TR></TABLE>

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<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">an employee of Manulife Financial Corporation (MFC) or its subsidiaries who</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>1</SUP> See the Definitions section and contact a member of
the Office of the CCO with any questions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>2</SUP> Access Persons of John Hancock GA Mortgage Trust that
are personnel of John Hancock Investment Management, LLC are covered by this Code.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>3</SUP> Disinterested Trustees of John Hancock open-end and
closed-end funds registered under the 1940 Act and advised by a John Hancock Adviser are subject to a separate Code of Ethics adopted
by the Board of Trustees.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">participates in making recommendations
for, or receives information about, portfolio trades or holdings of the John Hancock Affiliated Funds.<SUP>4</SUP></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0"><B>Access Levels</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The requirements of this policy will differ
depending on your Access Level category. There are three categories for persons covered by the Code, taking into account position,
duties and access to information regarding fund portfolio trades.<SUP>5</SUP> You will receive notification as to your particular
category, based on the Code of Ethics Administration Group&rsquo;s understanding of your current role in coordination with the
Office of the CCO. If you have a level of investment access beyond your assigned category, or if you are promoted or change duties
and as a result should more appropriately be included in a different category, it is your responsibility to notify the CCO, designee,
or the Code of Ethics Administration Group.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Please note: If a specific Code provision
(examples: personal investing restriction or limitations, pre-clearance obligation, or reporting obligation, etc.) applies to the
Access Person, it also applies to all Securities and Brokerage Accounts over which the Access Person has Beneficial Ownership.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Access Level 1</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-align: justify">A person who, in connection with his/her
regular functions or duties, makes or participates in making recommendations regarding the purchase or sale of securities by the
Fund or account.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt"><U>Examples (may include but are not limited to):</U></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Portfolio Managers</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Analysts</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Traders</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Access Level 2</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 27pt; text-align: justify">A person who, in connection with
his/her regular functions or duties, has regular access to nonpublic information regarding any clients&rsquo; purchase or sale
of securities, nonpublic information regarding the portfolio holdings of any John Hancock Affiliated Fund(s), is involved in making
securities recommendations to clients, or has regular access to such recommendations that are nonpublic.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt 6pt; text-indent: 21pt"><U>Examples (may include but are not limited
to):</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>4</SUP> The preceding excludes John Hancock Asset Management
(U.S.) and John Hancock Asset Management (N.A.) each of whom have adopted their own Code of Ethics in accordance with Rule 204A-1
under the Advisers Act.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>5</SUP> The <I>Code of Ethics Administration Group, CCO (or
designee)</I> may modify the requirements of this <I>Code</I> for those <I>John Hancock Associates</I> whose covered status is
expected not to exceed 90 days (for instance contractors, co-ops and interns) or in instances where a person is subject to another
Code of Ethics or fiduciary duty and where the modification is not otherwise specifically prohibited by law. In reliance on an
SEC no-action letter, the <I>Code of Ethics Administration Group</I> or <I>CCO</I> (or designee) may include in the definition
of &ldquo;<I>John Hancock Associate&rdquo; </I>any person of a <I>John Hancock Affiliate </I>who is engaged, directly or indirectly
in John Hancock&rsquo;s investment advisory activities.</P>


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    <!-- Field: /Page -->


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><IMG SRC="logop1.jpg" ALT="">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 2.75pt; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54.05pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="padding-right: 34.25pt">Office of the CCO&#9;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 2.75pt; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54.05pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="padding-right: 34.25pt">Fund Administration</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 2.75pt; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54.05pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="padding-right: 34.25pt">Investment Management Services</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 2.75pt; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54.05pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="padding-right: 34.25pt">Technology Resources Personnel (as designated)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 2.75pt; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54.05pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="padding-right: 34.25pt">Legal Staff</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 2.75pt; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54.05pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="padding-right: 34.25pt">Marketing (as designated)</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Access Level 3</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1.85pt 7.1pt 0 27pt; text-align: justify">A person who, in connection
with his/her regular functions or duties, has periodic access to nonpublic information regarding any clients&rsquo; purchase or
sale of securities or nonpublic information regarding the portfolio holdings of any John Hancock Affiliated Funds.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1.85pt 7.1pt 0 5.1pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1.85pt 0 0 5.1pt; text-indent: 21.9pt"><U>Examples (may include but
are not limited to):</U></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 2.75pt; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 53.95pt"></TD><TD STYLE="width: 18.05pt">&bull;</TD><TD>Marketing (as designated)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 2.75pt; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 53.95pt"></TD><TD STYLE="width: 18.05pt">&bull;</TD><TD>Product Development</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 2.6pt; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 53.95pt"></TD><TD STYLE="width: 18.05pt">&bull;</TD><TD>E-Commerce</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 2.75pt; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 53.95pt"></TD><TD STYLE="width: 18.05pt">&bull;</TD><TD>Corporate Publishing</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 2.75pt; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 53.95pt"></TD><TD STYLE="width: 18.05pt">&bull;</TD><TD STYLE="padding-right: 10.95pt">Technology Resources Personnel (as designated)</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0"><B>Overview of Rules for All Access Persons</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">This policy contains rules regarding your
obligations to comply with federal Securities Laws and John Hancock&rsquo;s standards of conduct. Access Persons are responsible
for complying with the personal trading restrictions and obligations of their access designation level including: Brokerage Account
disclosure, personal trading restrictions, pre-clearance requirements, disclosure requirements, and various reporting and certification
requirements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Brokerage Account Disclosure</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">You must use the automated compliance reporting system (&ldquo;StarCompliance&rdquo;), to disclose all Brokerage Accounts that have the capability to hold Reportable Securities including all Brokerage Accounts:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">of your own; regardless of what is currently held in the account,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">of your spouse, Significant Other, minor children or family members sharing the same household
(Household Family Member),</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">over which you have discretion or give advice or information, and/or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">in which your Household Family Member have Beneficial Ownership, or the opportunity to directly
or indirectly profit or share in any profit derived from a Reportable Securities transaction.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Brokerage Account Examples (non-exclusive list)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">You need to report:</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><IMG SRC="logop1.jpg" ALT="">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Brokerage Accounts</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">John Hancock 401(k) accounts</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">MFC Global Share Ownership Plan (GSOP)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Solium accounts (some if they hold reportable securities including options on MFC securities)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Self-directed IRA accounts</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Custodial accounts</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Mutual fund accounts*</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">College investment plans 529s*</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">401(k)/403(b) accounts*</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Dividend reinvestment program or dividend reinvestment plan (DRIP)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Registered Retirement Savings Plan (RRSP/RESP/TFSA)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Stock Purchase accounts</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 18pt">*if they have the capability to hold John Hancock Affiliated
Funds</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Employee Compensation Instruments (non-exclusive list)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">You need to report:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 20.9pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>John Hancock 401(k)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 20.9pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>MFC Global Share Ownership Plan (GSOP)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 20.9pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Options acquired from MFC (only MFC Solium account options that are granted)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 20.9pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Public company employer as part of employee compensation</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 20.9pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Sole discretion accounts</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 20.9pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Accounts holding John Hancock Affiliated Funds</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 20.9pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Certain Manulife Pension Plans (RPS, RRSP)</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">You are not responsible for reporting:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 21pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>MFC Restricted Share Units (RSU)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 21pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Deferred Share Units (DSU)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 21pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Performance Share Units (PSU)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 21pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>US John Hancock Pension Plans</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 21pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Employer phantom stock/phantom option interest (granted as compensation to employee, only employer can redeem interest and
interest is non-transferrable)</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">To prevent any potential violations of the
Code, you are strongly encouraged to request clarification for accounts that are in question from the Code of Ethics Administration
Group <U>INVDIVCodeofEthics@manulife.com.</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>College Savings Plans - 529s</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">You must report John Hancock affiliated
529 plans including both the Freedom 529 plan and any other 529 plans that can hold John Hancock Affiliated Funds. You are not
required to report transactions or holdings in 529 Plans for which the Adviser or a control affiliate does</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt"><P STYLE="text-align: right"></P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><IMG SRC="logop1.jpg" ALT="">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">not manage, distribute, market or underwrite
the 529 Plan or the investments and strategies underlying the 529 Plan. If you have any questions about this requirement, please
contact the Code of Ethics Administration Group or a member of the Office of the CCO.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>401(k) and John Hancock Variable Products: John Hancock
Affiliated Funds Reporting</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">You must report your holdings and trades
in a John Hancock Affiliated Funds. This includes voluntary trades in your John Hancock affiliated accounts such as your 401(k)
and any external Brokerage Account.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">To comply with this requirement, if you
purchase a John Hancock variable product you must provide your contract or policy number to the Code of Ethics Administration Group
and if you have a John Hancock 401(k), you must you must enter the Brokerage Account on StarCompliance.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Managed Accounts</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Managed Accounts are considered fully managed
if neither Access Person nor Household Family Member has no direct influence or control. Prior to the execution of Reportable Securities
transactions in the Managed Account, you must obtain approval from the CCO (or designee). Once the Brokerage Account is approved
as a Managed Account, in writing from the CCO (or designee) of the Adviser/Trust, the transactions do not need to be pre-cleared.
Exemption requests which pose a conflict of interest for the CCO (or designee) will be escalated to the Ethics Oversight Committee
for review and consideration.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">You may request approval by disclosing the Brokerage
Account in the automated compliance system, marking it as a Managed Account and by providing the appropriate evidence as described
below. You are required to provide evidence that you or your Household Family Member has no direct or indirect influence or control
including not being able to:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">1)</TD><TD STYLE="text-align: justify">Suggest that the trustee or third-party discretionary manager make any particular purchases or
sales of Reportable Securities;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">2)</TD><TD STYLE="text-align: justify">Direct the trustee or third-party discretionary manager to make any particular purchases or sales
of Reportable Securities; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">3)</TD><TD STYLE="text-align: justify">Consult with the trustee or third-party discretionary manager as to the particular allocation of
investments to be made in your account.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt; text-align: justify">You may also be asked to periodically
attest to the status of the Managed Account(s) and provide electronic feeds or duplicate statements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Preferred Brokerage Account Requirements</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">You must maintain your Brokerage Accounts
at one of the preferred brokers approved by John Hancock. Upon designation as an Access Person, you have 45 calendar days to
(i) qualify any non-compliant Brokerage Account as an exempt account or (ii) transfer all assets to a preferred broker and
close the non- compliant account. Please note that you are not required to move 401(k) accounts. Exceptions may be granted
with the approval from the CCO, its designee, or the Code of Ethics Administration Group. Requests for exceptions to this
policy must be submitted in writing to the Code of Ethics Administration Group. A list of the Preferred Brokers can be found
in the Appendix.</P>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Opening/Closing Accounts</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 6pt 0 0; text-align: justify">You are required to report each transaction
in any Reportable Security to the Code of Ethics Administration Group. To comply with this requirement, you:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 5.75pt">Are required to notify the Code of Ethics Administration team within 10
days of opening or closing a Brokerage Account. In the case of a new Brokerage Account in which you have a beneficial interest,
you must notify the Code of Ethics Administration Group before any trades are placed.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 5.75pt">Are required by this Code and by the Insider Trading Policy to inform your
broker-dealer that you are employed by a financial institution. Your broker- dealer is subject to certain rules designed to prevent
favoritism toward your Brokerage Accounts. You may not accept negotiated commission rates that you believe may be more favorable
than the broker grants to accounts with similar characteristics.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 5.75pt">Must notify the broker-dealer if you are registered with the Financial Industry
Regulatory Authority or are employed by John Hancock Investment Management Distributors, LLC or John Hancock Distributors, LLC.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Statements and Duplicate Confirmations of Trades</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The Code of Ethics Administration Group
may rely on information submitted by your broker as part of your reporting requirements under the Code. Upon notification of your
Brokerage Account, the Code of Ethics Administration Group will notify the broker-dealer to have duplicate confirmations of any
trade, as well as statements or other information concerning the Brokerage Account, sent to:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">John Hancock Financial Services</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">Attention: General Funds Compliance</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">197 Clarendon Street, C-03-13</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt; text-align: justify">Boston, MA 02116</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0"><B>Personal Trading</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Personal Trading is a privilege and must
always come second to the fiduciary duty you owe to our clients. Below is a list of personal trading restrictions for all Access
Persons.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">All Access Persons <B>must</B>:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Disclose holdings in Reportable Securities (including John Hancock Affiliated Funds and John Hancock
Variable Products)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Disclose Brokerage Accounts</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Pre-clear applicable Reportable Securities transactions</TD></TR></TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><A NAME="ex001"></A><B>Personal Trading Restrictions for all Access Persons</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">All Access Persons are <B>prohibited </B>from:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Profiting from the purchase and sale of a John Hancock Affiliated Fund within 30 calendar days.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Engaging in speculative transactions involving MFC securities including: options, hedging or short
sales involving securities issues by Manulife.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Transacting in securities that appear on the confidential John Hancock Restricted list (pre-clearance
requests will be denied).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Transacting in Initial Public Offerings (IPOs), Private Placements, and Limited Offerings without
obtaining proper pre-clearance approval.<SUP>6</SUP></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Transacting in securities while in possession of material nonpublic information including but not
limited to: fund events, due diligence visits etc.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">An Access Person who either directs 45 or more
trades in a quarter or redeems shares of a John Hancock Affiliated Fund within 30 days of purchase, should expect additional scrutiny
of his or her trades and he or she may be subject to limitations on the number of trades allowed during a given period.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Reporting and Pre-clearance</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">As an Access Person, you are required
to report to the Code of Ethics Administration Group each transaction in any Reportable Security. You must ensure that all transactions
(unless it is an Involuntary Issuer Transaction) and holdings in Reportable Securities are properly reflected in the requisite
initial, quarterly and annual reporting certifications. To facilitate the reporting process, please ensure that you have properly
disclosed your correct Brokerage Account information to the Code of Ethics Administration Group in the automated compliance system,
including the disclosure of participation in the John Hancock 401(k) and Manulife GSOP.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The transaction and holding reporting
requirement does not include John Hancock money market funds or any dividend reinvestment, payroll deduction, systematic investment/withdrawal
and/or other program trades. Please note that different requirements apply to shares of John Hancock Affiliated Funds, including
a 30-day holding period requirement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">As an Access Person, in addition to your
reporting obligations, you have pre-clearance obligations for certain securities, depending on your Access Level group. Please
see the appropriate access level below, for more detailed information.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>6</SUP> Please note, Level 1 Access Persons and Registered Representatives
are prohibited from purchasing IPOs.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Level 1 Access Persons: Additional Personal Trading Restrictions
and Disclosures</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Please note, there are additional restrictions
that apply to all Access Persons listed in the section entitled, &ldquo;<A HREF="#ex001">Personal Trading Restrictions for All Access Persons</A>&rdquo;.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt"><B>Level 1 Access Persons</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>Pre-clear MFC Securities:</B> You must pre-clear all transactions in MFC securities including
stock, company issued options, securities such as debt, and sell transactions in the MFC Global Share Ownership Plan.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Pre-clear all of the following securities:</B> You must pre-clear and receive approval prior to transactions in the following
securities:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Stocks; including sell transactions of MFC Shares held in your Global Share Ownership Plan</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Bonds;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Government securities that are not direct obligations of the U.S. government, such as Fannie Mae,
or municipal securities, in each case that mature in more than one year;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">John Hancock Affiliated Funds;<SUP>7</SUP></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Closed-end funds (including John Hancock affiliated closed-end funds)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Options on securities, on indexes, and on currencies;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Swaps on securities, on indexes, and on currencies;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Limited partnerships;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Exchange traded funds and notes;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Domestic unit investment trusts;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Non-US unit investment trusts and Non-US mutual funds;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Private investment funds and hedge funds; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Futures, investment contracts or any other instrument that is considered a &ldquo;security&rdquo;
under the Securities Act of 1933;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 8pt; width: 54pt"></TD><TD STYLE="padding-bottom: 8pt; width: 18pt">&bull;</TD><TD STYLE="padding-bottom: 8pt; text-align: justify">Private Placements, limited offerings<SUP>8</SUP>.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>Ban on IPOs</B>: You may not acquire securities in an IPO. You may not purchase any newly-issued
Reportable Security until it is listed on a public exchange.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>Seven Day Blackout</B>: You are prohibited from buying or selling a Reportable Security within
7 calendar days before or after that Reportable Security is traded for a fund that the Person manages or for a John Hancock Affiliated
Fund unless no conflict of interest exists in relation to that Reportable Security as determined by the Code of Ethics Administration
Group.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Gifting Reportable Securities</B>: If you gift or donate shares of a Reportable Security it is considered a sale and you
must receive pre-clearance approval.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Inheriting Reportable Securities: </B>If you inherit shares of a Reportable Security you must notify the Code of Ethics Administration Group within 10 days.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>7</SUP> John Hancock Affiliated open ended mutual funds do not
require pre-clearance, only reporting. However, there are certain holding period requirements. A list of John Hancock Affiliated
Funds can be found on StarCompliance.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>8</SUP> Level 1 Access Persons are banned from participation
in IPOs.</P>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><IMG SRC="logop1.jpg" ALT="">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>30 Day Hold John Hancock Affiliated Funds</B>: You cannot profit from the purchase and sale of a John Hancock Affiliated
Funds within 30 calendar days.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>60 Day Hold:</B> You may not profit from the purchase and sale (or sale and purchase) of the same (or equivalent) Reportable
Security (see note on John Hancock Affiliated Funds) within 60 calendar days, also known as a &ldquo;Ban on Short Term Profits&rdquo;.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">o</TD><TD>Exclusion: pre-clearance requests in a Reportable Security with a market capitalization of $5 billion or more would, in most
cases, not be subject to the 60 day hold and would be approved if they are appropriately pre-cleared.</TD></TR></TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"></TD><TD>Options requiring additional consideration are as follows:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt"></TD><TD><U>Call Options</U></TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt"></TD><TD>You can purchase a call option that is subject to pre-clearance
                                         only if the call option has an expiration of equal to or greater than 60 days from the
                                         date of purchase. You must either (i) hold the option for at least 60 days prior to sale
                                         or (ii) if exercised, must hold the option <U>and</U> the underlying Security of the
                                         option for a total of 60 days (i.e., the period during which the call option was held
                                         will count towards the 60 day holding period for the underlying Security).</TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt"></TD><TD>You can sell (i.e. write) a call option that is subject to pre-clearance only if the underlying Security (in the corresponding quantity) has been held for at least 60 days (i.e. covered call). You can not engage in a subsequent purchase of a call option unless the conditions specified above are met.</TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt"></TD><TD><U>Put Options</U></TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt"></TD><TD>You can purchase a put option that is subject to pre-clearance only if the put option has a period to expiration of at least 60 days from the date of purchase and you hold the put option for at least 60 days. If you purchases a put option on a Security already owned (i.e. put hedge), the time the underlying Security has been held will count towards the 60 day holding period for the put.</TD></TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt"></TD><TD>You may not sell (i.e. write) a put option on a Security.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt"></TD><TD>You may not use derivatives including futures, options on futures, or options or warrants on a Security to circumvent the restrictions of the Code. (i.e. you may not use derivative transactions with respect to a Security if the Code otherwise prohibits them from taking the same position directly in the underlying Security.)</TD></TR></TABLE>







<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Ownership Ban: Securities of Sub-advisers</B>: you are prohibited from owning securities of any sub-adviser of a John Hancock
Affiliated Fund.<SUP>9</SUP></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>Must promptly disclose</B>:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">o</TD><TD STYLE="text-align: justify"><B>Ownership of Securities Under Consideration for John Hancock Affiliated Fund</B>: Any direct
or indirect beneficial interest in a Reportable Security that is under consideration for purchase or sale in a John Hancock Affiliated
Fund.</TD></TR></TABLE>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>9</SUP> MFC securities are excluded from Level 1 &amp; Level
2 sub-adviser ownership prohibition. The list of securities of sub-advisers can be found on the automated compliance system or
upon request from the CCO.</P>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">o</TD><TD STYLE="text-align: justify"><B>Private Placement Conflicts</B>: You must disclose holdings of any Reportable Securities purchased
in a private placement when you participate in a decision to purchase or sell that same issuer&rsquo;s securities for a John Hancock
Affiliated Fund.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Restriction on Securities Under Active Consideration</B>: You are prohibited from buying or selling a Reportable Security
if the Reportable Security is being actively traded by a John Hancock Affiliated Fund.</TD></TR></TABLE>

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<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">o</TD><TD>Exceptions:</TD></TR></TABLE>

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<TD STYLE="width: 90pt"></TD><TD STYLE="width: 18pt">&#9642;</TD><TD><B>De Minimis Trading</B>: pre-clearance requests for 500 shares or less of a particular Reportable Security within a market
value of $25K or less, aggregated daily, would, in most cases, not be subject to the 7-day blackout period restrictions and the
restriction on actively traded securities.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 90pt"></TD><TD STYLE="width: 18pt">&#9642;</TD><TD><B>Market Cap Securities</B>: pre-clearance requests in a Reportable Security with a market capitalization of $5B or more would
not be subject to the blackout period restrictions and the restriction on actively traded securities.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Pre-clearance of Exchange Traded Funds/Exchange Traded Notes (ETF/ETN) and Options on Reportable Securities: </B>you are
required to pre-clear ETFs, ETNs and Options on Reportable Securities.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">o</TD><TD STYLE="text-align: justify">Exceptions to the pre-clearance requirement for ETF/ETN or options on Reportable Securities (provided
it is not a John Hancock Affiliated Fund):</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 108pt"></TD><TD STYLE="width: 18pt">o</TD><TD STYLE="text-align: justify">has an average market capitalization of $5 billion or more;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 108pt"></TD><TD STYLE="width: 18pt">o</TD><TD STYLE="text-align: justify">is based on a non-covered security;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 108pt"></TD><TD STYLE="width: 18pt">o</TD><TD STYLE="text-align: justify">or is based on a Broad-Based Index.</TD></TR></TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Prohibition on Investment Clubs, Good Until Canceled Orders, or Limit Orders</B>: You may not participate in:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">o</TD><TD>investment clubs,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">o</TD><TD>&ldquo;good until cancelled orders&rdquo;, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">o</TD><TD>&ldquo;limit orders&rdquo; unless the limit orders are day orders that automatically expire at the end of the trading day and
cancel any orders that have not been executed.</TD></TR></TABLE>

<P STYLE="font: italic bold 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0">Investment Professionals Only</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Level 1 Access Persons who are &ldquo;Investment
Professionals&rdquo; (Analysts and Portfolio Managers) must disclose the following:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">o</TD><TD STYLE="text-align: justify"><B>Ownership of 5% or Greater</B>: 5% or greater interest in a company, John Hancock Affiliated
Funds and its affiliates may not make any investment in that company;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">o</TD><TD STYLE="text-align: justify"><B>Ownership of 1% or greater</B> 1% or greater interest in a company, you cannot participate in
any decision by John Hancock Funds and its affiliates to buy or sell that company&rsquo;s securities;</TD></TR></TABLE>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><IMG SRC="logop1.jpg" ALT="">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>



<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>ANY </B>other interest in a company, you cannot recommend or participate in a decision by John
Hancock Affiliated Funds, and its affiliates to buy or sell that company&rsquo;s securities unless your personal interest is fully
disclosed at all stages of the investment decision.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.45pt 0 0 36pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">In such instances, you must initially disclose
that beneficial interest orally to the primary portfolio manager (or other appropriate analyst) of the Affiliated Fund(s) or account
or the appropriate Chief Investment Officer. Following the oral disclosure, you must send a written acknowledgement to the primary
portfolio manager with a copy to the Code of Ethics Administration Group.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Level 2 Access Persons: Additional Personal Trading Restrictions
and Disclosures</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">Please note, there are additional restrictions that apply
to all Access Persons listed in the section entitled, &ldquo;<A HREF="#ex001">Personal Trading Restrictions for All Access Persons</A>&rdquo;.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt"><B>Level 2 Access Persons:</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Pre-clear MFC Securities:</B> You must pre-clear all transactions in MFC securities including stock, company issued options,
sell transactions in the MFC Global Share Ownership Plan, and any other securities such as debt.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Pre-clear the following securities:</B> You must pre-clear and receive approval prior to transactions in the following securities:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Stocks; including sell transactions of MFC Shares held in your Global Share Ownership Plan</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Bonds;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Government securities that are not direct obligations of the U.S. government, such as Fannie Mae,
or municipal securities, in each case that mature in more than one year;</TD></TR></TABLE>




<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">John Hancock Affiliated Funds;<SUP>10</SUP></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Closed-end funds (including John Hancock affiliated closed-end funds)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Options on securities, on indexes, and on currencies;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Swaps on securities, on indexes, and on currencies;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Limited partnerships;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Exchange traded funds and notes;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Domestic unit investment trusts;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Non-US unit investment trusts and Non-US mutual funds;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Private investment funds and hedge funds; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Futures, investment contracts or any other instrument that is considered a &ldquo;security&rdquo;
under the Securities Act of 1933;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">IPOs<SUP>11</SUP>, Private Placements, limited offerings.</TD></TR></TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>10</SUP> John Hancock Affiliated open ended mutual funds do
not require pre-clearance, only reporting. However, there are certain holding period requirements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>11</SUP> Level 1 Access Persons are banned from participation
in IPOs.</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Three Day Blackout Period</B>: You are prohibited from knowingly buying or selling a Reportable Security within three calendar
days before and after that Reportable Security is traded for a John Hancock Affiliated Fund unless no conflict of interest exists
in relation to that Reportable Security as determined by the Code of Ethics Administration Group.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Gifting Reportable Securities</B>: If you gift or donate shares of a Reportable Security the transaction is considered a
sale and you must receive pre-clearance approval.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Inheriting Reportable Securities: </B>If you inherit shares of a Reportable Security you must notify the Code of Ethics
Administration Group within 10 days.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>30 Day Hold John Hancock Affiliated Funds</B>: You cannot profit from the purchase and sale of a John Hancock Affiliated
Funds within 30 calendar days.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>60 Day Hold:</B> You may not profit from the purchase and sale (or sale and purchase) of the same (or equivalent) Reportable
Security within 60 calendar days, also known as a &ldquo;Ban on Short Term Profits&rdquo;.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">o</TD><TD>Exclusion: pre-clearance requests in a Reportable Security with a market capitalization of $5 billion or more would, in most
cases, not be subject to the Ban on Short Term Profits, and would be approved if they are appropriately pre-cleared.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Ownership Ban: Securities of Sub-advisers</B>: you are prohibited from owning securities of any sub-adviser of a John Hancock
Affiliated Fund.<SUP>12</SUP></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Restriction on Securities Under Active Consideration</B>: You are prohibited from buying or selling a Reportable Security
if the security is being actively traded by a John Hancock Affiliated Fund.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">o</TD><TD>Exceptions:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 90pt"></TD><TD STYLE="width: 18pt">&#9642;</TD><TD><B>De Minimis Trading</B>: pre-clearance requests for 500 shares or less of a particular Reportable Security within a market value
of $25K or less, aggregated daily, would, in most cases, not be subject to the 7-day blackout period restrictions and the restriction
on actively traded securities.</TD></TR></TABLE>






<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 108pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 90pt"></TD><TD STYLE="width: 18pt">&#9642;</TD><TD><B>Market Cap Securities</B>: pre-clearance requests in a Reportable Security with a market capitalization of $5B or more would
not be subject to the blackout period restrictions and the restriction on actively traded securities.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Pre-clearance of Exchange Traded Funds/Exchange Traded Notes (ETF/ETN) and Options on Reportable Securities: </B>you are
required to pre-clear ETFs, ETNs and Options on Reportable Securities.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">o</TD><TD STYLE="text-align: justify">Exceptions to the pre-clearance requirement for ETF/ETN or options on Reportable Securities (provided
it is not a John Hancock Affiliated Fund):</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 108pt"></TD><TD STYLE="width: 18pt">&#9642;</TD><TD STYLE="text-align: justify">has an average market capitalization of $5 billion or more;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 108pt"></TD><TD STYLE="width: 18pt">&#9642;</TD><TD STYLE="text-align: justify">is based on a non-covered security;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 108pt"></TD><TD STYLE="width: 18pt">&#9642;</TD><TD STYLE="text-align: justify">or is based on a Broad-Based Index.</TD></TR></TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>12</SUP> MFC securities are excluded from Level 1 &amp;Level
2 sub-adviser ownership prohibition. The list of securities of sub-advisers can be found on the automated compliance system or
upon request from the CCO.</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>Prohibition on Investment Clubs, Good Until Canceled Orders, or Limit Orders</B>: You may not participate in:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">o</TD><TD STYLE="text-align: justify">investment clubs,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">o</TD><TD STYLE="text-align: justify">&ldquo;good until cancelled orders&rdquo;, or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 54pt"></TD><TD STYLE="width: 18pt">o</TD><TD STYLE="text-align: justify">&ldquo;limit orders&rdquo; unless the limit orders are day orders that automatically expire at
the end of the trading day and cancel any orders that have not been executed.</TD></TR></TABLE>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Level 3 Access Persons: Additional Personal Trading Restrictions
and Disclosures</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">Please note, there are additional restrictions that apply
to all Access Persons listed in the section entitled, &ldquo;<A HREF="#ex001">Personal Trading Restrictions for All Access Persons</A>&rdquo;.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt"><B>Level 3 Access Persons:</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>Pre-clear transactions in</B>:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">o</TD><TD STYLE="text-align: justify">closed-end funds and exchange traded funds advised by a John Hancock Adviser</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">o</TD><TD STYLE="text-align: justify">transactions in IPOs</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 18pt">o</TD><TD STYLE="text-align: justify">private placements and limited offerings.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>Gift or Donation of Reportable Securities: </B>You must obtain pre-clearance approval prior
to gifting or donating any Reportable Securities transactions that would require pre-clearance.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>Inheritance of Reportable Securities:</B> If you inherit shares of a Reportable Security you
must notify the Code of Ethics Administration Group within 10 days.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><B>30 Day Hold John Hancock Affiliated Funds</B>: You cannot profit from the purchase and sale of a John Hancock Affiliated
Funds within 30 calendar days.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">An Access level 3 Person is not required
to pre-clear other trades. However, please keep in mind that an Access level 3 Person is required to report Reportable Securities
transactions after every trade (even those that are not required to be pre-cleared) by requiring your broker to submit duplicate
confirmation statements or electronic feeds to the Code of Ethics Administration Group. You must also ensure that all transactions
in Reportable Securities are properly reported on your quarterly transaction/annual holdings certification.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Pre-clearance Process</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 17.95pt 0 0">You may request a trade pre-clearance through the automated
compliance system, StarCompliance.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 17.95pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">Please note that:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 23.1pt"></TD><TD STYLE="width: 21.9pt">&bull;</TD><TD STYLE="text-align: justify">You may not trade until clearance approval is received.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 23.1pt"></TD><TD STYLE="width: 21.9pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 14.6pt">Clearance approval is valid only for the date granted (i.e. the pre-clearance
requested date and the trade date should be the same).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 23.1pt"></TD><TD STYLE="width: 21.9pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 46.65pt">A separate procedure should be followed for requesting pre-clearance of
an IPO, a private placement, or a limited offering in StarCompliance.</TD></TR></TABLE>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Certain transactions in securities that
would normally require pre-clearance are exempt from the pre-clearance requirement in the following situations: (1) shares are
being purchased as part of an Automatic Investment Plan; (2) shares are being purchased as part of a dividend reinvestment plan;
or (3) transactions are being made in a Managed/discretionary account, an account over which you have designated a third party
as having sole discretion to trade (you must have approval from the CCO (or designee) to establish a discretionary account).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0"><B>Reporting and Certification Requirements</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Reporting</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">All Access Persons, regardless of their level, must complete
and submit reports and certifications to compliance using StarCompliance, the automated compliance system, in an accurate and timely manner
as described below.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Reporting Upon Designation</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">Within <B>10 calendar days</B> after designation as an Access
Person, you must complete and submit to compliance using StarCompliance:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>Initial Holdings Report:</B> A report of all Brokerage Accounts (please see the definition section)
that hold or have the ability to hold any Reportable Securities and all Reportable Securities holdings current as of the date you
became an Access Person.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>Initial Certification of Compliance</B>: Certify to your understanding of the Code of Ethics.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>Initial Training</B>: Certify that you have attended a training on the Code of Ethics Policy.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Quarterly Reporting</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">Within <B>30 calendar days</B> after the end of each calendar
quarter, you must complete and submit to compliance using StarCompliance:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>Quarterly Certification:</B> a report of all Brokerage Accounts and all transactions in Reportable
Securities (including transactions in John Hancock Affiliated Funds, including sell transactions in your Global Share Ownership
Plan (GSOP) and voluntary transactions, such as fund exchanges, in your John Hancock 401(k)).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>Managed Account Certification: </B>A certification of related to your Managed Accounts (only
if applicable).</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Additional transaction notes:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">All transactions in John Hancock Affiliated Funds and Variable Products must be reported.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Only sell transactions of MFC stock in your Global Share Ownership Plan (GSOP) need to be reported.</TD></TR></TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Only voluntary transactions, such as fund exchanges, need to be reported for transactions in your
John Hancock 401(k) Savings account.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">For each Brokerage Account you must certify that the following
information is captured accurately:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 24pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Account number</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 24pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Brokerage Firm</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">For each transaction required to be reported you must certify
the following information was captured accurately:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 24pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>the date of the transaction, the title, and as applicable the exchange ticker symbol or CUSIP number, interest rate and maturity
date, number of shares, and principal amount of each Reportable Security involved;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 24pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>the nature of the transaction (i.e. purchase, sale or any other type of acquisition or disposition);</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 24pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>the price at which the transaction was effected;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 24pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>the name of the broker, dealer or bank with or through which the transaction was effected.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 42pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Annual Reporting</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.45pt 0 0; text-align: justify">At a date designated by the Code of
Ethics Administration Group, at least annually (or additionally when the Code has been materially changed), you must complete and
submit to compliance:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.5pt"></TD><TD STYLE="width: 22.5pt">&bull;</TD><TD STYLE="text-align: justify"><B>Annual Holdings Report: </B>disclosing all of your Brokerage Accounts that hold or can hold any Reportable Securities
and all holdings in Reportable Securities, current as of a date not more than 45 days before the report is submitted.</TD></TR></TABLE>






<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 56.4pt"></TD><TD STYLE="width: 15.6pt">o</TD><TD STYLE="text-align: justify">John Hancock Affiliated Funds &amp; Variable Products holdings must be reported, regardless of
where they are held.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 56.4pt"></TD><TD STYLE="width: 15.6pt">o</TD><TD STYLE="text-align: justify">Global Share Ownership holdings of Manulife Financial Corporation, Inc. (MFC) stock must be reported.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 22.5pt"></TD><TD STYLE="width: 22.5pt">&bull;</TD><TD STYLE="text-align: justify"><B>Annual (or additionally when the Code has been materially changed) Certification of Code of
Ethics:</B> acknowledging that you have received, read, and complied with the requirements of the Code of Ethics.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 8pt 0 0"><B>Ad Hoc Reporting</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Throughout the year you must complete
and submit to compliance:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>Brokerage Account Changes</B>: You are required to promptly notify (within 10 days) Compliance
of any applicable account changes.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify"><B>Changes to the Code of Ethics: </B>You are required to complete an additional certification
of compliance stating that you read, received and understood material changes to the Code of Ethics.</TD></TR></TABLE>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0"><B>Administration and Enforcement</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Administration of the Code</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Sub-adviser Compliance</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">A sub-adviser to a John Hancock Affiliated
Fund has a number of Code of Ethics responsibilities:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 23pt"></TD><TD STYLE="width: 17.95pt">&bull;</TD><TD STYLE="text-align: justify">The sub-adviser must have adopted their own code of ethics in accordance with Rule 204A-1(b) under
the Advisers Act which has been approved by the Board of Trustees;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 23pt"></TD><TD STYLE="width: 17.95pt">&bull;</TD><TD STYLE="text-align: justify">On a quarterly basis, each sub-adviser certifies compliance with their Code of Ethics or reports
material violations if such have occurred; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 23pt"></TD><TD STYLE="width: 17.95pt">&bull;</TD><TD STYLE="text-align: justify">Each sub-advisor must report quarterly to the CCO (or designee), any material changes to its Code
of Ethics.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 8pt 0 0"><B>Adoption and Approval</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Board of a John Hancock Affiliated Fund,
including a majority of the Fund&rsquo;s Independent Board Members, must approve the Code of Ethics of the Fund&rsquo;s adviser,
sub-adviser or principal underwriter (if an affiliate of the underwriter serves as a Board member or officer of the Fund or the
adviser) before initially retaining its services.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Each material change to a Code of Ethics of
a sub-adviser to a fund must be approved by the Board of the John Hancock Affiliated Fund, including a majority of the Fund&rsquo;s
Independent Board Members, no later than six months after adoption of the material change.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The Board may only approve the Code if they
determine that the Code:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Contains provisions reasonably necessary to prevent the subadviser&rsquo;s Access Persons (as defined in Rule 17j-1 under the
1940 Act and Rule 204A-1 under the Advisers Act) from engaging in any conduct prohibited by Rule 17j-1 and 204A-1;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Requires the sub-adviser&rsquo;s Access Persons to make reports to at least the extent required
in Rule 17j-1(d) and Rule 204A-1(b);</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.5pt">Requires the sub-adviser to institute appropriate procedures for review of
these reports by management or compliance personnel (as contemplated by Rule 17j-1(d)(3) and Rule 204 A- 1(a)(3));</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.5pt">Provides for notification of the sub-adviser&rsquo;s Access Persons in accordance
with Rule 17j-1(d)(4) and Rule 204A-1(a)(5);</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.5pt">Requires the sub-adviser&rsquo;s Access Persons who are Investment Personnel
to obtain the pre- clearances required by Rule 17j-1(e); and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.5pt">Requires the sub-adviser&rsquo;s Access Persons to obtain the pre-clearances
required by Rule 204A- 1(c).</TD></TR></TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.15pt 4.5pt 8pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The CCO of the John Hancock Affiliated
Funds oversees each of the fund&rsquo;s sub-adviser to ensure compliance with each of the provisions included in this section.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Sub-adviser Reporting &amp; Recordkeeping Requirements</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Each sub-adviser must complete an annual
Code of Ethics questionnaire and certification as to their compliance under Rule 17j-1 and summary of any violation to the relevant
John Hancock Adviser, whom present summaries to the Board of Trustees annually during their 2<SUP>nd</SUP> quarter meeting (which
is typically held in June).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Reporting to the Board</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.5pt 0 0; text-align: justify">No less frequently than annually,
the Office of the CCO will furnish to the Board of Trustees a written report that:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.5pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.5pt">describes issues that arose during the previous year under the Code of Ethics
or the related procedures, including, but not limited to, information about material Code or procedure violations, as well as any
sanctions imposed in response to the material violations, and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.5pt">certifies that each entity, including the sub-advisers have adopted procedures
reasonably necessary to prevent its Access Persons from violating its Code of Ethics,</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.5pt">Any material changes to the Code are presented to the Trustees within six
months for their approval.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><BR>
The CCO of the John Hancock Affiliated Funds oversees each of the fund&rsquo;s sub-adviser to ensure compliance with each of the
provisions included in this section.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Reporting Violations</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.3pt 0 0; text-align: justify">If you know of any violation of the
Code, you have a responsibility to promptly report it to the CCO of your company. You should also report any deviations from the
controls and procedures that safeguard John Hancock
and the assets of our clients.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.3pt 0 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.3pt 0 0; text-align: justify">Since we cannot anticipate every situation
that will arise, it is important that we have a way to approach questions and concerns. Always ask first, act later. If you are
unsure of what to do in any situation, seek guidance before you act.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 4.3pt 0 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.3pt 0 0; text-align: justify">Speak to your manager, a member of
the Human Resources Department or Legal Department or your divisional compliance officer if you have:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 3.95pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 30.7pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.3pt">a doubt about a particular situation;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0.05pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 30.7pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.3pt">a question or concern about a business practice; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 30.7pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.3pt">a question about potential conflicts of interest</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 4.3pt 0 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.3pt 0 0; text-align: justify">You may report suspected or potential
illegal or unethical behavior without fear of retaliation. John Hancock does not permit retaliation of any kind for good faith
reports of illegal or unethical behavior. Concerns about potential or suspected illegal or unethical</P>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.3pt 0 0; text-align: justify">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.3pt 0 0; text-align: justify"> behavior should be referred
to a member of the Human Resources or Legal Department. John Hancock relies on the Manulife Code of Business Conduct which advises
that unethical, unprofessional, illegal, fraudulent or other questionable behavior may also be reported by
calling a confidential toll-free Ethics Hotline at 1-866-294-9534 or at <B><u>www.ManulifeEthics.com</u></B>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.3pt 0 0; text-align: justify">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Exemptions &amp; Appeals</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Exemptions:</B> to the Code may
be granted by the CCO (or designee) where supported by applicable facts and circumstances. If you believe that you have a situation
that warrants an exemption to any of the rules and restrictions of this Code you need to submit a written request to the CCO (or
designee). All requests will be reviewed on a case by case basis. The CCO (or designee) will provide a written response detailing
its decision once the review has been completed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Exemption requests which pose a conflict
of interest for the CCO will be escalated to the Ethics Oversight Committee for review and consideration.</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><BR>
<B>Appeals: </B>If you believe that your request has been incorrectly denied or that an action is not warranted, you may appeal
the decision. To make an appeal, you need to give the CCO (or designee) of the Adviser/Trust a written explanation of your reasons
for appeal within 30 days of the date that you were informed of the decision. Be sure to include any extenuating circumstances
or other factors not previously considered. During the review process, you may, at your own expense, engage an attorney to represent
you. The Code of Ethics Administration Group may arrange for Ethics Oversight Committee or other parties to be part of the review
process.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.5pt 0 6pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Interpretation and Enforcement</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.3pt 0 0; text-align: justify">The Code cannot anticipate every
situation in which personal interests may be in conflict with the interests of our clients and fund investors. You should be
responsive to the spirit and intent of the Code as well as its specific provisions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.3pt 0 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.3pt 0 0; text-align: justify">When any doubt exists regarding any
Code provision or whether a conflict of interest with clients or fund investors might exist, you should discuss the situation in
advance with the CCO (or designee) of your company. The Code is designed to detect and prevent fraud against clients and fund investors,
and to avoid the appearance of impropriety.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.3pt 0 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.3pt 0 0; text-align: justify">The CCO has general administrative
responsibility for the Code as it applies to the covered employees; an appropriate member of the Code of Ethics Administration
Group will administer procedures to review personal trading activity. The Code of Ethics Administration Group also regularly reviews
the forms and reports it receives. If these reviews uncover information that is incomplete, questionable, or potentially in violation
of the rules in this document, the Code of Ethics Administration Group will investigate the matter and may contact you.</P>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.3pt 0 0; text-align: justify">The Board of the John Hancock Affiliated
Funds approve material amendments to the Code and authorize sanctions imposed on Access Persons of the Funds. Accordingly, the
Code of Ethics Administration Group will refer violations to the CCO of the Trust/Adviser (or designee) for further review and
action, including determination if the matter should be presented to the Ethics Oversight Committee and/or the Board of Trustees
for recommended action.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.5pt 0 0; text-align: justify">The following factors will be considered
when determining a fine or other disciplinary action:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 31.7pt"></TD><TD STYLE="width: 13.7pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.3pt">the person&rsquo;s position and function (senior personnel may be held to
a higher standard);</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 31.7pt"></TD><TD STYLE="width: 13.7pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.3pt">the amount of the trade;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 31.7pt"></TD><TD STYLE="width: 13.7pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.3pt">whether the John Hancock Affiliated Funds hold the security and were trading
the same day;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 31.7pt"></TD><TD STYLE="width: 13.7pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.3pt">whether the violation was by a family member;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 31.7pt"></TD><TD STYLE="width: 13.7pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.3pt">whether the person has had a prior violation and which policy was involved;
and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 31.7pt"></TD><TD STYLE="width: 13.7pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.3pt">whether the employee self-reported the violation.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">John Hancock takes all rule violations
seriously and, at least once a year, provides the Board of the John Hancock Affiliated Funds with a summary of all material violations
and sanctions, significant conflicts of interest and other related issues for their review. Sanctions for violations could include
(but are not limited to) fines, disgorgement, limitations on personal trading activity, suspension or termination of the Covered
Person&rsquo;s position with John Hancock and/or a report to the appropriate regulatory authority.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.5pt 0 0; text-align: justify">You should be aware that other Securities
Laws and regulations not addressed by the Code may also apply to you, depending on your role at John Hancock.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.5pt 0 0; text-align: justify">&nbsp;</P>






<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.5pt 0 0; text-align: justify">The CCO of the Adviser/Trust (or designee)
and the Ethics Oversight Committee retain the discretion to interpret the Code&rsquo;s provisions and to decide how they apply
to any given situation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.5pt 0 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Education of Employees</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.5pt 0 0; text-align: justify">This Code constitutes the Code of
Ethics required by Rule 17j-1 under the Investment Company Act of 1940 and by Rule 204A-1 under the Investment Advisers Act of
1940. The Code of Ethics Administration Group will provide a copy of the Code (and any amendments) to each person subject to the
Code. The Code of Ethics Administration Group in coordination with the CCO or designee will also administer initial and annual
training to employees on the principles and procedures of the Code and other related policies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.5pt 0 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Recordkeeping</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.5pt 0 0; text-align: justify">The Code of Ethics Administration
Group will maintain a:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 31.5pt"></TD><TD STYLE="width: 13.5pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.5pt">Copy of the current Code for John Hancock and a copy of each Code of Ethics
in effect at any time within the past five years.</TD></TR></TABLE>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><IMG SRC="logop1.jpg" ALT="">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 31.5pt"></TD><TD STYLE="width: 13.5pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.5pt">Record of any violation of the Code, and of any action taken as a result
of the violation, for six years.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 31.5pt"></TD><TD STYLE="width: 13.5pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.5pt">Copy of each report made by an Access Person under the Code, for six years
(the first two years in a readily accessible place).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 31.5pt"></TD><TD STYLE="width: 13.5pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.5pt">Record of all persons, currently or within the past five years, who are or
were, required to make reports under the Code. This record will also indicate who was responsible for reviewing these reports.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 31.5pt"></TD><TD STYLE="width: 13.5pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.5pt">Record of any decision, and the reasons supporting the decision, to approve
the acquisition by an Access Level I Persons of IPOs or private placement securities, for six years.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 31.5pt"></TD><TD STYLE="width: 13.5pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 4.5pt">Record of any decision, and the reasons supporting the decision, to approve
the acquisition by an Access Person of the John Hancock Advisers IPOs or private placement securities, for six years.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Other Important Policies</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The John Hancock Affiliated Funds have additional
policies or may rely on certain MFC policies. Summary excerpts of such policies are listed below please review each full policy
for additional details.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>MFC Code of Business Conduct &amp; Ethics (All Covered
Employees)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.45pt 0 0; text-align: justify">The MFC Code of Business Conduct and
Ethics (the MFC Code) provides standards for ethical behavior when representing the Company and when dealing with employees, field
representatives, customers, investors, external suppliers, competitors, government authorities and the public.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The MFC Code applies to directors, officers
and employees of MFC, its subsidiaries and controlled affiliates. Sales representatives and third-party business associates are
also expected to abide by all applicable provisions of the MFC Code and adhere to the principles and values set out in the MFC
Code when representing Manulife to the public or performing services for, or on behalf of, Manulife.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>




<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Other important issues in the MFC Code include:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">MFC values;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Ethics in workplace;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Ethics in business relationships;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Conflicts of Interest;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Handling information;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Receiving or giving of gifts, entertainment or favors;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Misuse or misrepresentation of your corporate position;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Disclosure of confidential or proprietary information;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Disclosure of outside business activities;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Antitrust activities; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Political campaign contributions and expenditures relating to public officials.</TD></TR></TABLE>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><IMG SRC="logop1.jpg" ALT="">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>John Hancock Conflicts of Interest Policy (All Covered
Employees)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Conflicts of Interest are both inherent
to the investment advisory business and also exist as a result of our unique organizational structure. The Conflicts of Interest
Policy governs organizational/Adviser conflicts, rather than personal conflicts (such as outside business activities or gifts and
entertainment). Our fiduciary obligation as an adviser to the Funds requires us to effectively disclose and/or manage these conflicts,
which we do today through various documents and controls, and ultimately to act in the best interest of our clients and the Fund
shareholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>John Hancock Gift &amp; Entertainment Policy (All Covered
Employees)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.85pt 0 0; text-align: justify">You are subject to the Gift and Entertainment
Policy for the John Hancock Advisers which is designed to prevent the appearance of an impropriety, potential conflict of interest
or improper payment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.85pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The Gift &amp; Entertainment Policy covers many issues relating to
giving and accepting of gifts and entertainment when dealing with business partners, such as:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 26.25pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Gift &amp; Business Entertainment Limits</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Restrictions on Gifts &amp; Entertainment</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 27pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Reporting of Gifts &amp; Entertainment</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>John Hancock Insider Trading Policy (All Covered Employees)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.85pt 0 0; text-align: justify">The antifraud provisions of the federal
Securities Laws generally prohibit persons with material nonpublic information from trading on or communicating the information
to others. Sanctions for violations can include civil injunctions, permanent bars from the securities industry, civil penalties
up to three times the profits made or losses avoided, criminal fines and jail sentences. While Access Level I Persons are most
likely to come in contact with material nonpublic information, the rules (and sanctions) in this area apply to all persons covered
under this code and extend to activities both related and unrelated to your job duties.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 6.95pt 0 0; text-align: justify">The John Hancock Insider Trading
Policy (the Insider Trading Policy) covers a number of important issues, such as:</P>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 1.75pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 19.4pt"></TD><TD STYLE="width: 17.95pt">&bull;</TD><TD STYLE="text-align: justify">Possession, misuse and access to material nonpublic information</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>John Hancock Pay to Play Rule on Political Contributions
(All Covered Associates)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The Pay to Play rule restricts Investment
Advisers and certain employees who fall within the definition of Covered Associates from making contributions to elected officials
(including incumbents, candidates, or successful candidates for an elective office of a government entity) who may be able to influence
the selection of the investment adviser to manage the assets of government entities (any state or political subdivision of a state).
The rule has three primary elements:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">A two-year prohibition on an adviser&rsquo;s providing compensated investment advisory services
to a government entity after a contribution has been made by the adviser or one of its covered associates;</TD></TR></TABLE>
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    <DIV STYLE="page-break-before: always; margin-top: 6pt"><P STYLE="text-align: right"></P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><IMG SRC="logop1.jpg" ALT="">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 6.95pt 0 0; text-align: justify">&nbsp;</P>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">A prohibition on the use of third-party solicitors who are not themselves regulated persons subject
to pay-to-play restrictions on political contributions; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">A prohibition on bundling and other efforts by advisers to solicit political contributions to certain
officials of a government entity to which the adviser is seeking to provide services.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Sanctions for violating the rule include
a prohibition from receiving compensation for providing advisory services to a fund in which such government entity&rsquo;s participant-directed
plan or program invests for two years thereafter, otherwise known as a &ldquo;time-out&rdquo; period.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>John Hancock Whistleblower Policy (All Covered Employees)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.85pt 0 0; text-align: justify">The Committees of the mutual funds&rsquo;
Board of Trustees investigate improprieties or suspected improprieties in the operations of the Funds and has established procedures
for the confidential, anonymous submission by employees of John Hancock Investment Management, LLC and John Hancock Variable Trust
Advisers, LLC. (collectively the &ldquo;Advisers&rdquo;) or any other provider of services to the Funds or Advisers of complaints
regarding accounting, internal accounting controls, auditing matters or violations of the Securities Laws. The objective of this
policy is to provide a mechanism by which complaints and concerns regarding accounting, internal accounting controls, auditing
matters or violations of Securities Laws may be raised and addressed without the fear or threat of retaliation. The funds desire
and expect that the employees and officers of the Advisers, or any other service provider to the funds will report any complaints
or concerns they may have regarding accounting, internal accounting controls or auditing matters.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.85pt 0 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">
Persons may submit complaints or concerns to the attention of funds&rsquo; CCO (or designee) by sending a letter or other writing
to the funds&rsquo; principal executive offices, by telephone call to or an email to the Ethics Hotline, Ethics Hotline can be
reached at 1-866-294-9534, or through the Ethicspoint website at www.manulifeethics.com. The Ethics Hotline and Ethicspoint website
are operated by an independent third party, which maintains the anonymity of all complaints.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.85pt 0 0; text-align: justify">Complaints and concerns may be made
anonymously to the funds&rsquo; CCO (or designee) or the respective Committee&rsquo;s Chairperson. Furthermore, nothing in this
policy prohibits reporting possible violations of applicable law or regulation to any governmental agency or entity, including
but not limited to the Department of Justice, the Securities and Exchange Commission, the Congress, and any agency Inspector General,
or making other disclosures that are protected under the whistleblower provisions of applicable law or regulation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.85pt 0 0; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0">
Policy and Procedures Regarding Disclosure of Portfolio Holdings (All Covered Employees)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.85pt 0 0; text-align: justify">It is our policy not to disclose nonpublic
information regarding Fund portfolio holdings except in the limited circumstances noted in this Policy. You can only provide nonpublic
information regarding portfolio holdings to any person, including affiliated persons, on a &ldquo;need to know&rdquo; basis (<I>i.e.,
</I>the person receiving the information must have a legitimate</P>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>




<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.85pt 0 0; text-align: justify">business purpose for obtaining the information prior to it being
publicly available and you must have a legitimate business purpose for disclosing the information in this manner). We consider
nonpublic information regarding Fund portfolio holdings to be confidential and the intent of the policy and procedures is to guard
against selective disclosure of such information in a manner that would not be in the best interest of Fund shareholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.85pt 0 0; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0">
Additional Policies Outside the Code (All Covered Employees)</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Policy Regarding Dissemination of Mutual Fund Portfolio Information</TD></TR></TABLE>

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<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Manulife Financial Corporation Anti-Fraud Policy</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>John Hancock Anti-Money Laundering (AML) and Anti-Terrorist Financing (ATF) Program</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Conflict of Interest Rules for Directors and Officers</TD></TR></TABLE>

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<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>John Hancock Non-Cash Compensation Policy</TD></TR></TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">Appendix</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0">Definitions</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt"><B>Access Person:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt; text-align: justify">You are an &ldquo;Access Person&rdquo;
if you are a &ldquo;Supervised Person&rdquo; who has access to nonpublic information regarding any client&rsquo;s purchase or sale
of securities, or nonpublic information regarding the portfolio holdings of any John Hancock Affiliated Fund, or who is involved
in making securities recommendations to clients, or who has access to such recommendations that are nonpublic.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt; text-align: justify"><B>Automatic Investment Plan:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt; text-align: justify">Means a program in which regular periodic
purchases (or withdrawals) are made automatically in (or from) investment accounts in accordance with a predetermined schedule
and allocation. An Automatic Investment Plan includes a dividend reinvestment plan.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt; text-align: justify"><B>Beneficial Ownership:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt; text-align: justify">Means the opportunity, directly or indirectly,
to profit or share in any profit (for loss) derived from a Reportable Securities transaction. This includes Reportable Securities
held by an Access Person&rsquo;s Household Family Member and Covered Securities held through certain family trusts, family custodial
accounts, entities controlled by the Access Person, portfolios from which the Supervised Person may receive a performance fee,
and other circumstances in which the Access Person may profit, directly or indirectly through any contract, arrangement, understanding,
relationship, or otherwise, from transactions in the respective Reportable Securities, as defined further in Rule 16a-1 (a) (2)
of the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 5.75pt"><B>Broad-Based Index:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 5.75pt">For the purposed of this Code a Broad-Based
Index will include the following:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 25.4pt"></TD><TD STYLE="width: 16.55pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 11pt">the S&amp;P 100, S&amp;P Midcap 400, S&amp;P 500, FTSE 100, and Nikkei 225;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0.9pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 25.4pt"></TD><TD STYLE="width: 16.55pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 11pt">Direct obligations of the U.S. Government (e.g., treasury securities)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0.75pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 25.4pt"></TD><TD STYLE="width: 16.55pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 11pt">Indirect obligations of the U.S. Government with a maturity of less than 1
year (GNMA)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0.75pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 25.4pt"></TD><TD STYLE="width: 16.55pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 11pt">Commodities;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0.75pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 25.4pt"></TD><TD STYLE="width: 16.55pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 11pt">Foreign currency</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9.35pt"><B>Brokerage Account:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9.35pt">Any of your accounts:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>Which have the capability to hold Reportable Securities;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Accounts of your spouse, Significant Other, minor children or family members sharing your household
(together, &ldquo;Household Members&rdquo;);</TD></TR></TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><IMG SRC="logop1.jpg" ALT="">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Accounts in which you or your Household Members have a Beneficial Ownership;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify">Accounts over which you have discretion, give advice or information or have Power of Attorney (POA).</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9pt; text-align: justify"><B>Covered Person</B>:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9pt; text-align: justify">Includes all &ldquo;Access Persons&rdquo;
as defined under Securities and Exchange Commission (SEC) Rule 17j-1 under the Investment Company Act of 1940, as amended (the
&ldquo;1940 Act&rdquo;), and &ldquo;Supervised Persons&rdquo; as defined under SEC Rule 204A-1 under the Investment Advisers Act
of 1940, as amended (the &ldquo;Advisers Act&rdquo;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9.35pt; text-align: justify"><B>Household Family Member:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 9.35pt; text-align: justify">An Access Person&rsquo;s spouse,
Significant Other, minor children, or other family member who also shares the same household as the Access Person.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9.35pt"><B>Investment Professionals:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9.35pt">Means a Supervised Person who are either Portfolio Managers,
Analysts, and Traders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9pt; text-align: justify"><B>Involuntary Issuer Transaction:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9pt; text-align: justify">Transaction where the account owner
has not determined the timing as to when the purchase or sale transaction will occur or the amount of shares purchased or sold,
i.e. making changes to existing positions or asset allocations within the John Hancock retirement plans, buying or selling shares
of a Reportable Security, etc.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 9pt">Involuntary Issuer Transactions <U>include</U>:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>transactions which result from a corporate action applicable to all similar security holders (such as splits, tender offers,
mergers, stock dividends, etc.); or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD><FONT STYLE="background-color: white">automatic dividend reinvestment and stock purchase plan acquisitions.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9.35pt; text-align: justify"><I><BR>
Please note: any transaction that overrides the pre-set schedule or allocations must be included in a quarterly transaction report.</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9.35pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9.35pt; text-align: justify"><B>John Hancock Affiliated Fund:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9.35pt; text-align: justify">For the purposes of this Code, a
John Hancock Affiliated Fund shall include both:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 13.5pt">&bull;</TD><TD STYLE="text-align: justify">a &ldquo;John Hancock Mutual Fund&rdquo; (i.e., a 1940 Act mutual fund that is advised or sub-advised
by a John Hancock Adviser or by another Manulife entity); or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 13.5pt">&bull;</TD><TD STYLE="text-align: justify">&ldquo;John Hancock Variable Product&rdquo; (i.e., contracts funded by insurance company separate
accounts that use one or more portfolios of John Hancock Variable Insurance Trust).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 13.5pt">&bull;</TD><TD STYLE="text-align: justify">Any other financial product or security advised or sub-advised by a John Hancock Adviser or John
Hancock Insurance or another Manulife entity.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 49.5pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9pt; text-align: justify">The definition for John Hancock Affiliated
Fund does not include John Hancock money market funds. A list of John Hancock Affiliated Funds can be found on StarCompliance.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>



<P STYLE="margin: 0 0 0 9pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><B>John
Hancock Variable Products:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; margin-top: 0; margin-right: 0; margin-left: 9pt">Contracts
funded by insurance company separate accounts that use one or more portfolios of John Hancock Variable Insurance Trust.</P>



<P STYLE="margin: 0 0 0 9pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><B>Managed
Account:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; margin-top: 0; margin-right: 0; margin-left: 9pt">Any account
over which neither you nor a Household Family Member has direct or indirect influence or control and cannot a) suggest purchases
or sales of investments to the trustee or third-party discretionary manager; b) direct purchases or sales of investments; or c)
consult with the trustee or third-party discretionary manager as to the particular allocation of investments to be made in the
account.</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9.35pt; text-align: justify"><B>Private Placements:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9.35pt; text-align: justify">Securities exempt from SEC registration
under section 4(2), section 4(6) and/or rules 504 &ndash;506 under the Securities Act.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9.35pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9.35pt; text-align: justify"><B>
Reportable Securities:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9.35pt; text-align: justify"><FONT STYLE="background-color: white">Means
any note, stock, treasury stock, security future, bond, debenture, evidence of indebtedness, certificate of interest or participation
in any profit-sharing agreement, collateral-trust certificate, preorganization certificate or subscription, transferable share,
investment contract, voting-trust certificate, certificate of deposit for a security, fractional undivided interest in oil, gas,
or other mineral rights, any put, call, straddle, option, or privilege on any security (including a certificate of deposit) or
on any group or index of securities (including any interest therein or based on the value thereof), or any put, call, straddle,
option, or privilege entered into on a national securities exchange relating to foreign currency, or, in general, any interest
or instrument commonly known as a &ldquo;security&rdquo;, or any certificate of interest or participation in, temporary or interim
certificate for, receipt for, guaranty of, or warrant or right to subscribe to or purchase any of the foregoing, except it should
not include:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0 0 36pt; background-color: white">(i) Direct obligations of the
Government of the United States;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0 0 36pt; background-color: white">(ii) Bankers&rsquo; acceptances,
bank certificates of deposit, commercial paper and high quality short-term debt instruments, including repurchase agreements;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0 0 36pt; background-color: white">(iii) Shares issued by money
market funds;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0 0 36pt; background-color: white">(iv) Shares issued by open-end
funds other than reportable funds; and</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0 0 36pt; background-color: white">(v) Shares issued by unit investment
trusts that are invested exclusively in one or more open-end funds, none of which are reportable funds.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><IMG SRC="logop1.jpg" ALT="">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 9pt">Please note: Reportable Securities includes both John Hancock
Affiliated Funds and John Hancock Variable Products.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9.35pt; text-align: justify"><B>Securities Laws:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9.35pt; text-align: justify">Means the Securities Act of 1933,
as amended (the &ldquo;Securities Act&rdquo;), the Securities Exchange Act of 1934, the Sarbanes-Oxley Act of 2002, the Investment
Company Act of 1940, the Investment Advisers Act of 1940, Title V of the Gramm-Leach-Bliley Act, any rules adopted by the SEC under
any of these statutes, the Bank Secrecy Act as it applies to funds and investment advisers, and any rules adopted there under by
the SEC or the Department of the Treasury.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9.35pt; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9.35pt; text-align: justify"><B>Significant Others:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9.35pt; text-align: justify">Two people who (1) share the same
primary residence; (2) share living expenses; and (3) are in a committed relationship and intend to remain in the relationship
indefinitely.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9pt; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9pt; text-align: justify"><B>Supervised Person:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9pt; text-align: justify">Is defined by the Advisers Act to mean
a partner, officer, director (or other person occupying a similar status or performing similar functions) or employee, as well
as any other person who provides advice on behalf of the adviser and is subject to the adviser&rsquo;s supervision and control.
However, in reliance on the Prudential no-action letter, John Hancock does not treat as a &ldquo;Supervised Employee&rdquo; any
of its &ldquo;non-advisory personnel&rdquo;, as defined below.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 9pt; text-align: justify">In reliance on the Prudential no-action
letter, John Hancock treats as an &ldquo;Advisory Person&rdquo; any &ldquo;Supervised Employee&rdquo; who is involved, directly,
or indirectly, in John Hancock Financial Services investment advisory activities, as well as any &ldquo;Supervised Employee&rdquo;
who is an Access Person. John Hancock treats as &ldquo;non-advisory personnel&rdquo;, and does not treat as a Supervised Person,
those individuals who have no involvement, directly or indirectly, in John Hancock investment advisory activities, and who are
not Access Persons.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><IMG SRC="logop1.jpg" ALT="">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Preferred Brokers List</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.9pt 5pt 8pt 0; text-align: justify"><B>Preferred Brokers List </B>While
employed by John Hancock, you must maintain your Brokerage Accounts at one of the preferred brokers approved by John Hancock. The
following are the preferred brokers:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="white-space: nowrap; width: 60%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Ameriprise</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 40%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Sanders Morris Harris</FONT></TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bank of Oklahoma</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Scottrade</FONT></TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Bank of Texas</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Stifel</FONT></TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Barclays Wealth Management</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">TD Ameritrade</FONT></TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Brave Warrior Advisors</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">T. Rowe Price</FONT></TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Charles Schwab</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Thompson Davis &amp; Co.</FONT></TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Chase Investment Services</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">UBS</FONT></TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Citigroup</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">US Trust</FONT></TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Constellation Wealth Management</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Vanguard</FONT></TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Credit Suisse</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Robert W. Baird &amp; Co.</FONT></TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">DB Alex Brown</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Edward Jones</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">E*Trade</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Fidelity</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">First Republic</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Goldman Sachs Wealth Management</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">HSBC Private Bank</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Interactive Brokers</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JB Were</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JP Morgan Private Bank</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">JP Morgan Securities</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Lincoln Financial</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Merrill Lynch &amp; Bank of America</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Morgan Stanley Private Wealth</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Morgan Stanley Smith Barney</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Northern Trust</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Northern Trust Institutional</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Oppenheimer &amp; Co.</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">OptionsXpress</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Pershing Advisor Solutions</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Piper Jaffray</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Raymond James</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Revolution Capital</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
</TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left"><IMG SRC="logop1.jpg" ALT="">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>


<P STYLE="color: black; font: 10pt Arial, Helvetica, Sans-Serif; margin: 2pt 0 0"><B>Compliance Contacts</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; border: black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Entity</B></FONT></TD>
    <TD STYLE="width: 50%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Chief Compliance Officer</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Investment Management, LLC</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Trevor Swanberg &ndash; 617-572-4398</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John&#9;Hancock&#9;Variable Trust Advisers, LLC</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Trevor Swanberg</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Each open-end and closed-end fund advised by a John Hancock Adviser</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Trevor Swanberg</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Investment Management Distributors, LLC</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Michael Mahoney - 617-663-3021</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Distributors, LLC</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Michael Mahoney </FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; border: black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Code of Ethics Contacts</B></FONT></TD>
    <TD STYLE="width: 50%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>E-mail</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Code of Ethics Administration Group</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><U>INVDIVCodeofEthics@manulife.com</U></FONT></TD></TR>
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<TYPE>EX-99.(2)(R)(2)
<SEQUENCE>33
<FILENAME>jhfof-html3755_ex992r2.htm
<DESCRIPTION>CODE OF ETHICS DATED JANUARY 20, 2020 FOR GLOBAL WEALTH AND ASSET MANAGEMENT AND GENERAL ACCOUNT INVESTMENTS A DIVISION OF MANULIFE INVESTMENT MANAGEMENT (US) LLC
<TEXT>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><FONT STYLE="text-transform: uppercase; letter-spacing: 0.05pt"><B>Exhibit
</B></FONT><B><FONT STYLE="letter-spacing: 0.05pt">(2)(r)(2)</FONT></B></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Every day we make individual choices which reflect on the collective
reputation of the Manulife and John Hancock brands. Our global standards for business ethics and our well-regarded reputation for
integrity differentiates our brands in the marketplace, and are critical factors to our past and future success. We are proud of
Manulife&rsquo;s culture of doing business the right way and underscore the need to continue to conduct our business in this manner.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">To this end, Global Wealth and Asset Management and General Account
Investments have adopted this code of ethics to promote compliance with applicable law, as well as to address certain potential
and actual conflicts of interest which can arise between our personal interests and the interests of our Clients. This code of
ethics has been designed to reflect our values as a global organization and demonstrate the importance of the trust our Clients
have placed in Manulife and the duties we owe to our Clients.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 11.4pt 87.5pt 0 66.65pt">&nbsp;</P>

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    <TD STYLE="padding: 0; font: 10pt Arial, Helvetica, Sans-Serif; width: 50%"><B>Paul Lorentz</B></TD>
    <TD STYLE="padding: 0; font: 10pt Arial, Helvetica, Sans-Serif; width: 50%; text-align: right"><B>Scott Hartz</B></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 0; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="padding: 0; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 0; font: 10pt Arial, Helvetica, Sans-Serif">President &amp; CEO,</TD>
    <TD STYLE="padding: 0; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">Chief Investment
    Officer</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 0; font: 10pt Arial, Helvetica, Sans-Serif">Global Wealth and Asset Management</TD>
    <TD STYLE="padding: 0; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">Manulife Financial Corporation</TD></TR>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>Table of Contents</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.55pt 0 0 6.8pt"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 7%"><B>1.</B></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 88%"><B>Purpose</B></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 5%; text-align: right"><B>7</B></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"><B>2.</B></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"><B>Code Applicability</B></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right"><B>8</B></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">2.1 GWAM AND GA ASSOCIATE</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">8</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">2.2 GWAM AND GA ACCESS PERSON (&ldquo;ACCESS
    PERSON&rdquo;)</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">8</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"><B>3.</B></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"><B>Access Classification Levels and Applicable Rules</B></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right"><B>9</B></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">3.1 ACCESS CLASSIFICATION LEVELS &ndash; SCHEMATIC</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">9</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"><B>4.</B></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"><B>General Principles of Business Conduct</B></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right"><B>10</B></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">4.1 GENERAL PRINCIPLES OF BUSINESS CONDUCT</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">10</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">4.2 PERSONAL TRADING CONFLICTS OF INTEREST</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">11</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">4.3 CONFIDENTIAL INVESTMENT INFORMATION</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">11</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">4.4 MNPI RELATED TO MANULIFE SECURITIES AND MANULIFE
    AFFILIATED FUNDS</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">11</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">4.5 FALSE RUMOURS</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">11</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">4.6 SUPERVISORY OVERSIGHT</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">11</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">4.7 SPECIAL REQUIREMENTS FOR REAL ASSETS</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">11</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">4.8 SHARED BUSINESS ENTERTAINMENT AND GIFTS</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">11</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">4.9 PAY TO PLAY</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">12</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">4.10 OUTSIDE BUSINESS ACTIVITIES</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">12</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">4.11 REPORTING VIOLATIONS OF THE CODE</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">12</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">4.12 INITIAL CODE CERTIFICATION</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">12</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">4.13 QUARTERLY CODE CERTIFICATION</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">12</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"></TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif">4.14 ANNUAL CODE CERTIFICATION</TD>
    <TD STYLE="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">12</TD></TR>
</TABLE>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Code of Ethics Rev. 01.20.2020</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>Table of Contents</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.4pt 0 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Manulife JH Sans; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; width: 7%; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>5.</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; width: 88%; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Personal Trading Rules</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; width: 5%; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>13</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.1 NO LIABILITY FOR LOSSES</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.2 WHAT SECURITIES ARE SUBJECT TO THE PERSONAL TRADING RULES?</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-left: 0; padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.3 REQUIREMENT TO REPORT SECURITIES ACCOUNTS</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-left: 18pt; padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.3.1 MANAGED ACCOUNTS</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">14</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-left: 18pt; padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.3.2 MANAGED ACCOUNT QUALIFICATION PROCESS</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">14</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.4 DUPLICATE TRANSACTION CONFIRMATIONS AND STATEMENTS</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">14</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.5 U.S.-BASED PREFERRED BROKERAGE ACCOUNT REQUIREMENT</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">14</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.6 INITIAL HOLDINGS REPORT AND CERTIFICATION</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">14</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.7 QUARTERLY TRANSACTIONS REPORT AND CERTIFICATION</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.8 REPORTING OF SECURITIES AS GIFTS, DONATIONS AND INHERITANCES</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.9 ANNUAL HOLDINGS REPORT AND CERTIFICATION</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.10 ACCESS PERSON&rsquo;S RESPONSIBILITY REGARDING TRANSACTIONS AND HOLDINGS DATA</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.11 PRE-CLEARANCE APPROVAL REQUIREMENT</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.12 TERMS OF PRE-CLEARANCE</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-left: 18pt; padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.12.1 SAME DAY APPROVAL WINDOW</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-left: 18pt; padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.12.2 RESTRICTION ON SECURITIES UNDER ACTIVE CONSIDERATION</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-left: 18pt; padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.12.3 LIMIT ORDERS AND SPECIAL ORDERS</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-left: 18pt; padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.12.4 MIM PUBLIC MARKETS INVESTMENT TEAM HOLD UNTIL SOLD RULE</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16</FONT></TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; width: 5%; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-left: 18pt; padding-top: 4pt; width: 90%; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.12.5 INITIAL PUBLIC OFFERINGS &amp; INITIAL COIN OFFERINGS &amp; PRIVATE PLACEMENTS</FONT></TD>
    <TD STYLE="padding-top: 4pt; width: 5%; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-left: 18pt; padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.12.6 INITIAL PUBLIC OFFERINGS, INITIAL COIN OFFERINGS &amp; PRIVATE PLACEMENT APPROVALS</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.13 INVESTMENT CLUBS</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.14 RESTRICTIONS ON MANULIFE SECURITIES</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-left: 18pt; padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.14.1 REQUIREMENT TO PRE-CLEAR SALES OF MFC SHARES IN THE GSOP PROGRAM</FONT></TD>
    <TD STYLE="padding-top: 4pt; text-align: right; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">17</FONT></TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; width: 5%; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; width: 90%; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.15 SHORT TERM PROFIT BAN (&ldquo;60 DAY RULE&rdquo;)</FONT></TD>
    <TD STYLE="text-align: right; padding-top: 4pt; width: 5%; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">17</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.16 SAME DAY BLACKOUT PERIOD RULE</FONT></TD>
    <TD STYLE="text-align: right; padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">18</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-left: 18pt; padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.16.1 MARKET CAP SECURITIES EXCEPTION</FONT></TD>
    <TD STYLE="text-align: right; padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">18</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.17 EXCESSIVE TRADING IS DISCOURAGED</FONT></TD>
    <TD STYLE="text-align: right; padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">18</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5.18 INFORMATION BARRIERS</FONT></TD>
    <TD STYLE="text-align: right; padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">18</FONT></TD></TR>
</TABLE>

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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0; text-align: right; color: #231F20">Code of Ethics Rev. 01.20.2020</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B><U>Table of Contents</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 6%; padding-bottom: 4pt"><B>6.</B></TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 89%; padding-bottom: 4pt"><B>Additional Personal Trading Rules for Front-Office Access
    Persons</B></TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; width: 5%; padding-bottom: 4pt"><B>19</B></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">6.1 15 DAY BLACKOUT PERIOD RULE</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 4pt">19</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 18pt; padding-bottom: 4pt">6.1.1 MARKET CAP SECURITIES EXCEPTION</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 4pt">19</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 18pt; padding-bottom: 4pt">6.1.2 DE MINIMIS TRADING EXCEPTION</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 4pt">19</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">6.2 INITIAL PUBLIC OFFERING BAN</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 4pt">19</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">6.3 INVESTMENT CLUB BAN</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 4pt">19</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 4pt">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt"><B>7.</B></TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt"><B>Additional Personal Trading Rules for MIM Public Markets Front-Office
    Access Persons</B></TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 4pt"><B>20</B></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">7.1 MIM PUBLIC MARKETS INVESTMENT TEAM HOLD UNTIL SOLD RULE</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 4pt">20</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 4pt">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt"><B>8.</B></TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt"><B>Administration of the Code</B></TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 4pt"><B>21</B></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">8.1 PENALTIES FOR CODE VIOLATIONS</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 4pt">21</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">8.2 EXEMPTIONS AND APPEALS</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 4pt">21</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">8.3 CODE AMENDMENTS</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 4pt">21</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">8.4 PRIVACY</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 4pt">21</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">8.5 CODE ADMINISTRATION</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 4pt">22</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 18pt; padding-top: 4pt; padding-bottom: 4pt">8.5.1 CONTACT</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 4pt">22</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 4pt">8.6 RECORDKEEPING</TD>
    <TD STYLE="padding-top: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 4pt">22</TD></TR>
</TABLE>
<P STYLE="font: 11pt Manulife JH Sans; margin: 0">&nbsp;</P>

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<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt 0; font: 10pt Arial, Helvetica, Sans-Serif; width: 95%"><B>Appendix A</B></TD>
    <TD STYLE="padding: 4pt 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif; width: 5%"><B>23</B></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt 0; font: 10pt Arial, Helvetica, Sans-Serif"><B>Definitions of Italicized
    Code of Ethics Terms</B></TD>
    <TD STYLE="padding: 4pt 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><B>23</B></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt 0; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="padding: 4pt 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt 0; font: 10pt Arial, Helvetica, Sans-Serif"><B>Appendix B</B></TD>
    <TD STYLE="padding: 4pt 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><B>28</B></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt 0; font: 10pt Arial, Helvetica, Sans-Serif"><B>Legal Entity Adoption of
    the Code</B></TD>
    <TD STYLE="padding: 4pt 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><B>28</B></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt 0; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="padding: 4pt 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt 0; font: 10pt Arial, Helvetica, Sans-Serif"><B>Appendix C</B></TD>
    <TD STYLE="padding: 4pt 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><B>29</B></TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="padding: 4pt 0; font: 10pt Arial, Helvetica, Sans-Serif"><B>Securities Reporting &amp;
    Pre-Clearance Summary Chart</B></TD>
    <TD STYLE="padding: 4pt 0; text-align: right; font: 10pt Arial, Helvetica, Sans-Serif"><B>29</B></TD></TR>
</TABLE>


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<P><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Code of Ethics Rev. 01.20.2020</FONT></p>
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<P STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Code of Ethics Rev. 01.20.2020</FONT></p>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0 0 14pt"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>1. Purpose</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0 0 14pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Global Wealth and Asset Management (&ldquo;GWAM&rdquo;) and General
Account Investments (&ldquo;GA&rdquo;) and certain regulated entities listed in Appendix B (together the &ldquo;<I>Firm</I>&rdquo;)
have adopted this Code of Ethics (the &ldquo;Code&rdquo;) to promote compliance with applicable law.1</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">This Code is separate and distinct from the Manulife Code of Business
Conduct and Ethics. It is a supplementary standard of business conduct for asset managers and their employees to prevent those
abuses in the investment management business that can arise when certain conflicts of interest exist between an investment manager,
including its personnel and affiliates, and accounts managed for its <I>Clients</I>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">By adopting and enforcing this Code, we strengthen the trust and
confidence entrusted in us by demonstrating that at <I>Manulife</I>, <I>Client</I> interests come first.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">1This Code has been designed to be applicable across
GWAM and GA and certain regulated entities listed in Appendix B (together the &ldquo;<I>Firm</I>&rdquo;), however it is being
implemented in a multi-phased, multi-year project. In the interim, <I>Associates</I> may be subject to another code of ethics.
See Appendix B for the legal entities that have adopted this Code to date.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>2. Code Applicability</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 20.95pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">This Code is applicable to <I>Associates</I> of the <I>Firm</I>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Adherence to the General Principles of Business Conduct, and other
provisions of this Code as applicable, are a condition of employment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">2.1 GWAM AND GA ASSOCIATE</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Associates</I> are:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: justify">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 4%; text-align: left"><I>(i)</I></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; width: 96%">any
                                         partner, officer, director, or other person occupying a similar status or performing
                                         similar functions of the <I>Firm</I></TD>
</TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: justify">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><I>&nbsp;</I></TD>
</TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: justify">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left"><I>(ii)</I></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">an
                                         employee of the <I>Firm</I></TD>
</TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: justify">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: justify">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left"><I>(iii)</I></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">any
                                         person who provides investment advice on behalf of the <I>Firm</I> and is subject to
                                         the supervision and control of the <I>Firm</I></TD>
</TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: justify">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: justify">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">(iv)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">any
                                         person meeting the definition of <I>Access Person</I></TD>
</TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: justify">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: justify">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left"><I>(v)</I></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">an
                                         <I>Advisory Person of a Fund</I></TD>
</TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: justify">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: justify">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">(vi)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">certain
                                         <I>Manulife Affiliate</I> persons who engage, directly or indirectly, in the <I>Firm&rsquo;s
                                        </I> investment advisory activities and</TD>
</TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: justify">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: justify">
<TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">(vii)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">any
                                         other person who the <I>Code Administrator</I> deems an <I>Associate</I>.2</TD>
</TR></TABLE>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">2.2 GWAM AND GA ACCESS PERSON (&ldquo;ACCESS PERSON&rdquo;)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Additionally, <I>Associates</I> who have access to certain investment
information and the investment decision-making process are further classified by the <I>Code Administrator</I> into one of three
<I>Access Person</I> levels and therefore subject to the personal trading rules and obligations of their <I>Access Person</I> classification
level.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">2The <I>Code Administrator</I> may modify the requirements
of this Code for those <I>Associates</I> whose covered status is expected not to exceed 90 days (for instance contractors, co-ops
and interns) or in instances where a person is subject to another code of ethics or fiduciary duty and where the modification
is not otherwise specifically prohibited by law. In reliance on an SEC no-action letter, the <I>Code Administrator</I> may include
in the definition of &ldquo;<I>Associate</I>&rdquo; any person of a <I>Manulife Affiliate</I> who is engaged, directly or indirectly
in the <I>Firm&rsquo;s</I> investment advisory activities.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>3. Access Classification Levels and Applicable Rules</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Associates</I> are categorized into one of the following Access
Classification Levels for purposes of applying the rules in this Code:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Manulife JH Sans; width: 100%; border-collapse: collapse">
<TR STYLE="background-color: #535A5E">
    <TD STYLE="border: #231F20 1pt solid; padding: 4pt; vertical-align: bottom; width: 18%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>ACCESS CLASSIFICATION LEVELS</B></FONT></TD>
    <TD STYLE="border-top: #231F20 1pt solid; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; width: 66%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>DEFINITION</B></FONT></TD>
    <TD STYLE="border-top: #231F20 1pt solid; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; vertical-align: top; width: 16%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>APPLICABLE SECTION(S) OF RULES IN THIS CODE</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Non-<I>Access Person</I></FONT></TD>
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I>Associates</I> (as defined in Section 2.1) who are not deemed to be an <I>Access Person</I>.</FONT></TD>
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; vertical-align: middle; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; padding: 4pt; vertical-align: middle"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Regular <I>Access Person</I></FONT></TD>
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Any <I>Associate</I> who, in connection with their regular functions or duties: (i) has or may have access to non-public information regarding the purchase or sale of <I>securities</I> or non-public information regarding the portfolio holdings of <I>Client</I> or <I>Firm</I> accounts (ii) has or may have access to material, non-public <I>Securities</I> information.<BR>
<BR>
Examples: Sales, Marketing, Product, Client Service, IT, Finance, Operations, Legal, Compliance, Risk, Audit and certain related support staff.</FONT></TD>
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; vertical-align: middle; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 4<BR>
<BR>
Section 5</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">General Account/ <I>Manulife</I> Investment Management Private Markets (&ldquo;MIM Private Markets&rdquo;) Front- Office <I>Access Person</I></FONT></TD>
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Any GA or MIM Private Markets <I>Associate</I> who, in connection with their regular functions or duties, makes or participates in/supports making recommendations regarding the purchase or sale of <I>Securities</I> for <I>Client</I> or <I>Firm</I> accounts, or provides direct administrative support to a General Account/MIM Private Markets <I>Associate</I> who makes or participates in/supports recommendations.<BR>
<BR>
Examples: Portfolio Management, Analysts, Traders, Credit, ALM, Real Estate, Commercial Mortgages and certain related support staff</FONT></TD>
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; vertical-align: middle; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 4<BR>
<BR>
Section 5<BR>
<BR>
Section 6</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I>Manulife</I> Investment Management Public Markets (&ldquo;MIM Public Markets&rdquo;) Front-Office <I>Access Person</I></FONT></TD>
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Any MIM Public Markets <I>Associate</I> who, in connection with their regular functions or duties, makes or participates in/supports making recommendations regarding the purchase or sale of <I>Securities</I> for <I>Client</I> or <I>Firm</I> accounts, or provides direct administrative support to a MIM Public Markets <I>Associate</I> who makes or participates in/supports recommendations.<BR>
<BR>
Examples: Portfolio Managers, Analysts, Traders and certain related support staff</FONT></TD>
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; vertical-align: middle; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Section 4<BR>
<BR>
Section 5<BR>
<BR>
Section 6<BR>
<BR>
Section 7</FONT></TD></TR>
</TABLE>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>3.1 ACCESS CLASSIFICATION LEVELS &ndash; SCHEMATIC</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Manulife JH Sans; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #535A5E">
    <TD STYLE="width: 19%; border: #231F20 1pt solid; padding: 4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>ACCESS CLASSIFICATION LEVELS</B></FONT></TD>
    <TD STYLE="width: 21%; border-top: #231F20 1pt solid; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>GENERAL PRINCIPLES OF BUSINESS CONDUCT<BR>
(SECTION 4)</B></FONT></TD>
    <TD STYLE="width: 20%; border-top: #231F20 1pt solid; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>PERSONAL TRADING RULES<BR>
(SECTION 5)</B></FONT></TD>
    <TD STYLE="width: 20%; border-top: #231F20 1pt solid; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>ADDITIONAL PERSONAL TRADING RULES<BR>
(SECTION 6)</B></FONT></TD>
    <TD STYLE="width: 20%; border-top: #231F20 1pt solid; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>ADDITIONAL PERSONAL TRADING RULES<BR>
(SECTION 7)</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Non-<I>Access Person</I></FONT></TD>
    <TD STYLE="text-align: center; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt"><IMG SRC="p109.jpg" ALT=""></TD>
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt">&nbsp;</TD>
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt">&nbsp;</TD>
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Regular <I>Access Person</I></FONT></TD>
    <TD STYLE="text-align: center; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt"><IMG SRC="p109.jpg" ALT=""></TD>
    <TD STYLE="text-align: center; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt"><IMG SRC="p109.jpg" ALT="" STYLE="width: 26px; height: 26px"></TD>
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt">&nbsp;</TD>
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><BR STYLE="clear: both">
GA/MIM Private Markets Front-Office <I>Access Person</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: center; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt"><IMG SRC="p109.jpg" ALT="" STYLE="width: 26px; height: 26px"></TD>
    <TD STYLE="vertical-align: middle; text-align: center; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt"><IMG SRC="p109.jpg" ALT=""></TD>
    <TD STYLE="vertical-align: middle; text-align: center; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt"><IMG SRC="p109.jpg" ALT=""></TD>
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; padding: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">MIM Public Markets Front-<BR>
Office <I>Access Person</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: center; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt"><IMG SRC="p109.jpg" ALT=""></TD>
    <TD STYLE="vertical-align: middle; text-align: center; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt"><IMG SRC="p109.jpg" ALT=""></TD>
    <TD STYLE="vertical-align: middle; text-align: center; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt"><IMG SRC="p109.jpg" ALT=""></TD>
    <TD STYLE="vertical-align: middle; text-align: center; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt"><IMG SRC="p109.jpg" ALT="" STYLE="width: 28px; height: 30px"></TD></TR>
</TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-indent: -18pt"><B>4. General Principles of Business
Conduct</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Applicable to All Access Classification Levels</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The rules in this Section are applicable to all Access
Classification Levels:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-<I>Access Person</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regular <I>Access
Person</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GA/MIM Private Markets
Front-Office <I>Access Person</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;MIM Public Markets
Front-Office <I>Access Person</I>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">4.1 GENERAL PRINCIPLES OF BUSINESS CONDUCT</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Adherence to the General Principles of Business Conduct and other
provisions of this Code is a condition of employment. Additionally, while the Code contains specific restrictions and limitations
designed to prevent certain defined types of conflicts, the <I>Firm</I> recognizes that not every potential conflict of interest
can be anticipated by the Code. Therefore, it is critical that the Code&rsquo;s General Principles of Business Conduct be followed
in the absence of a specific Code requirement or limitation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Each <I>Associate</I> is expected to adhere to a high standard of
professional and ethical conduct and should be sensitive to situations that may give rise to an actual conflict or the appearance
of a conflict with the accounts we manage, or situations that have the potential to cause damage to <I>Manulife</I> or a <I>Manulife
Affiliate</I>s&rsquo; reputation. To this end, each <I>Associate</I> must act with integrity, honesty and in an ethical manner.
The following General Principles of Business Conduct govern the activities of our business
and every <I>Associate</I>:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.8pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="padding-right: 0">We have a fiduciary duty to place the interests of our <I>Clients</I> first. Consistent with
our fiduciary duty, we must also never (i) employ any device, scheme or artifice to defraud a <I>Client</I> (ii) make any untrue
statement of a material fact to the <I>Client</I> or an account we manage or omit to state a material fact necessary in order to
make the statements made to a <I>Client</I>, in light of the circumstances under which they are made, not misleading</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 20.95pt 0 32.8pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.8pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="padding-right: 0">All personal <I>Securities</I> transactions must be conducted consistent with the applicable
provisions of the Code, and in such a manner as to avoid any actual or potential conflict of interest and any other abuse of trust
or responsibility.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 22.45pt 0 32.8pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.8pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="padding-right: 0">We should not take inappropriate advantage of our position or engage in any fraudulent or manipulative
practice (such as front-running or manipulative market timing) with respect to the accounts we manage.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 51pt 0 32.8pt; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.8pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="padding-right: 0">We must treat as confidential any non-public or confidential information concerning the identity
of <I>Security</I> holdings and financial circumstances of the <I>Firm</I> or our <I>Clients.</I></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 26.8pt 0 32.8pt; text-align: justify; text-indent: -18pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 14.8pt"></TD><TD STYLE="width: 18pt">&bull;</TD><TD STYLE="text-align: justify; padding-right: 0">We must comply with all applicable laws including applicable domestic and
foreign <I>Securities Law</I>s.</TD></TR></TABLE>


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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">4.2 PERSONAL TRADING CONFLICTS OF INTEREST</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The Code represents a balancing of important interests. On the one
hand, we owe a duty of loyalty to our <I>Clients</I>, and we must avoid even the appearance of a conflict that might be perceived
as abusing the trust <I>Clients</I> have placed in us. On the other hand, the <I>Firm</I> does not want to prevent conscientious
professionals from investing for their own accounts where conflicts do not exist or are immaterial to investment decisions affecting
our <I>Clients</I> or the accounts we manage.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">When conflicting interests cannot be reconciled, the Code makes clear
that, first and foremost, <I>Associates</I> owe a fiduciary duty to our <I>Clients</I>, and the accounts we manage. In most cases,
this means that the affected <I>Associates</I> will be required to forego conflicting <I>Securities</I> transactions. In some cases,
personal investments will be permitted, but only in a manner, which, because of the circumstances and applicable controls, cannot
reasonably be perceived as adversely affecting <I>Client</I> portfolios or taking unfair advantage of the account relationship.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">4.3 CONFIDENTIAL INVESTMENT INFORMATION</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Information acquired by <I>Associates</I> in connection with their
duties for the <I>Firm</I> including information regarding actual or contemplated investment decisions, non-public portfolio composition,
proprietary research, research recommendations, investment recommendations, or <I>Firm</I> or <I>Client</I> interests, is confidential
and may not be used in any way that might be contrary to, or in conflict with the interests of the accounts we manage. Additionally,
<I>Associates</I> are reminded that certain <I>Clients</I> have specifically required their relationship with us to be treated
confidentially.</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">4.4 MNPI RELATED TO MANULIFE SECURITIES AND MANULIFE AFFILIATED
FUNDS</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Material, non-public information (&ldquo;MNPI&rdquo;) related to
<I>Manulife Securities, Manulife Affiliated Mutual Funds, or Affiliated Regulated Closed-End Funds</I> acquired by <I>Associates
</I>in connection with their duties for the <I>Firm</I> is confidential and may not be used for direct or indirect personal or
family benefit including personal trading.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">4.5 FALSE RUMOURS</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The <I>Securities Law</I>s prohibit the deliberate or reckless use
of manipulative devices or activities with an intention to affect the <I>Securities</I> markets, including the intentional creation
or spreading of false or unfounded rumors or other information. Accordingly, <I>Associates</I> may not communicate information
regarding companies, <I>Securities</I>, or markets that they know to be false.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>4.6 SUPERVISORY OVERSIGHT</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">All <I>Associates</I> with managerial responsibility are responsible
for the reasonable supervision of their staff to prevent and detect violations of this Code and applicable
rules and regulations. Failure to perform adequate oversight can result in the manager being held personally liable by regulators
for violations of the <I>Securities Law</I>s and the Code.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">4.7 SPECIAL REQUIREMENTS
FOR REAL ASSETS</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Associates</I> are prohibited from knowingly engaging in for (direct
or indirect) personal or family benefit any of the following activities:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>Employing, hiring, or contracting with vendors for the provision of goods or services to <I>Manulife</I> or <I>Manulife</I>-managed
properties or businesses;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>Utilizing for personal purposes the paid or unpaid services of a <I>Manulife</I> or <I>Manulife</I>-managed property vendor
(including the services of the vendor&rsquo;s employees);</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 23.5pt; text-indent: -23.5pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 3.1pt"></TD><TD STYLE="width: 21.95pt">&bull;</TD><TD>Purchasing or selling property adjacent to existing or proposed <I>Manulife</I> or <I>Manulife</I>-managed properties or businesses;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 23.5pt; text-indent: -23.5pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 3.1pt"></TD><TD STYLE="width: 21.95pt">&bull;</TD><TD>Purchasing, selling, or transferring mineral or other land-related rights impacting existing or proposed <I>Manulife</I> or
<I>Manulife</I>-managed properties or businesses;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 23.5pt; text-indent: -23.5pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 3.1pt"></TD><TD STYLE="width: 21.95pt">&bull;</TD><TD>Leasing a real estate interest to or from a <I>Manulife</I> or <I>Manulife</I>- managed property; or</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 23.5pt; text-indent: -23.5pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 3.1pt"></TD><TD STYLE="width: 21.95pt">&bull;</TD><TD>Exploiting <I>Manulife</I> or <I>Manulife</I>- managed properties or assets (including rental space and equipment or supplies)
for personal use.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>4.8 SHARED BUSINESS ENTERTAINMENT AND GIFTS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The <I>Firm</I> has adopted the &ldquo;GLOBAL ENTERTAINMENT
&amp; GIFT POLICY.&rdquo; Although the <I>Firm</I> recognizes that the giving or receiving of shared business entertainment
and modest gifts is a customary way to strengthen business relationships, and with some restrictions, is a lawful and proper
business practice, they have adopted the policy to:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 23.5pt; text-indent: -23.5pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 3.1pt"></TD><TD STYLE="width: 21.95pt">&bull;</TD><TD>Protect <I>Associates</I> from being improperly influenced (or perceived to be improperly influenced) in the discharge of their
responsibilities because of excessive or improper shared business entertainment or gifts from a business partner or <I>Client</I>;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 23.5pt; text-indent: -23.5pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 3.1pt"></TD><TD STYLE="width: 21.95pt">&bull;</TD><TD>Ensure that the giving of shared business entertainment or gifts to business partners or <I>Clients</I> does not exclude the
<I>Firm</I> from certain investment management and business opportunities; and</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 23.5pt; text-indent: -23.5pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 3.1pt"></TD><TD STYLE="width: 21.95pt">&bull;</TD><TD>Ensure that <I>Associates</I> do not engage in shared business entertainment or gift practices that constitute (or appear to
constitute) a corrupt business practice, including bribery.</TD></TR></TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">All <I>Associates</I> must abide by the specific standards and disclosure
requirements of the &ldquo;GLOBAL ENTERTAINMENT &amp; GIFT POLICY.&rdquo;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Additionally, <I>Associates</I> are required to report their shared
business entertainment and gift activity in <I>StarCompliance</I>, the Code of Ethics administrative system, as well as certify
to their adherence to the &ldquo;GLOBAL ENTERTAINMENT &amp; GIFT POLICY&rdquo; on a quarterly basis.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">4.9 PAY TO PLAY</P>

<P STYLE="font: 11pt Manulife JH Sans; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The <I>Firm</I> has adopted the &ldquo;PAY TO PLAY POLICY&rdquo;
to ensure that certain GWAM and GA legal entities (each a &ldquo;U.S. Adviser&rdquo;) comply with applicable pay to play laws and
are not disqualified from pursuing new government <I>Client</I> opportunities (including public pension fund <I>Clients</I>), or
from receiving advisory compensation from existing government <I>Clients</I>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The Policy outlines its applicability to certain U.S. Advisers and
<I>Associates</I> of those U.S. Advisers that must comply with the specific standards and requirements of the policy.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Additionally, <I>Associates</I> are required to pre-clear and report
their political contributions and certify to their adherence to the &ldquo;PAY TO PLAY POLICY&rdquo; in <I>StarCompliance</I> on
a quarterly and annual basis.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">4.10 OUTSIDE BUSINESS
ACTIVITIES</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The <I>Firm</I> has established a reporting and pre-clearance process
to identify and address certain actual or potential conflicts of interest related to an <I>Associate</I>&rsquo;s outside business
activities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Associates</I> are required to pre-clear and disclose in <I>StarCompliance
</I>their outside employment positions, board or officer positions with a business or charitable organization, positions with portfolio
companies or other portfolio advisory positions, positions on loan or creditor committees, positions with government or quasi-government
bodies, and board or officer positions with industry or professional organizations. This includes activities on both a paid and
unpaid basis.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Additionally, <I>Associates</I> are required to certify that they
have disclosed all outside business activities in <I>StarCompliance</I> on a quarterly and annual basis.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">4.11 REPORTING VIOLATIONS OF THE CODE</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Associates</I> who know or have reason to believe that the Code
has been or may be violated must bring such actual or potential violations to the immediate attention of the <I>Code Administrator
</I>and/or the relevant <I>Chief Compliance Officer</I>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Associates</I> are encouraged to communicate with the <I>Code
Administrator</I> and/or the relevant <I>Chief Compliance Officer</I>, if they have a doubt about a provision of the Code pertinent
to a specific situation, business practice or potential conflict of interest.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">It is a violation of the Code for an <I>Associate</I> to deliberately
fail to report a violation or deliberately withhold relevant or material information concerning a violation of the Code.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">No person will be subject to penalty or reprisal for reporting in
good faith suspected violations of the Code.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Additionally, unethical, unprofessional, illegal, fraudulent or other
questionable behavior may also be anonymously reported by visiting the confidential Manulife Ethics Hotline at <U>www.ManulifeEthics.com</U>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>4.12 INITIAL CODE CERTIFICATION</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Each <I>Associate</I> is required to certify in <I>StarCompliance
</I>their initial receipt of the Code including that they have read and understood the Code and agree to comply with the applicable
provisions of the Code.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">4.13 QUARTERLY CODE CERTIFICATION</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Each <I>Associate</I> is required to certify in <I>StarCompliance
</I>on a quarterly basis that they are in compliance with the applicable provisions of the Code.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">4.14 ANNUAL CODE CERTIFICATION</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Each <I>Associate</I>, on an annual basis, is required to certify
in <I>StarCompliance</I> that they have read and understood the Code, have complied with the applicable provisions of the Code
(or have disclosed any failure to comply with the provisions of the Code to the <I>Code Administrator</I>) during the past year.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>5. Personal Trading Rules</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Applicable to All Access Persons</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The rules in this Section are applicable to the following Access
Classification Levels:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>Regular <I>Access Person</I></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 23.5pt; text-indent: -23.5pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>General Account/MIM Private Markets Front-Office <I>Access Person</I></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 23.5pt; text-indent: -23.5pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>MIM Public Markets Front-Office <I>Access Person</I></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B><I>5.1</I> NO LIABILITY FOR LOSSES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Manulife</I> and/or <I>Clients</I> will not be liable for any
losses incurred or profits avoided by any <I>Access Person</I> or <I>Household Family Member</I> resulting from the implementation
or enforcement of the Code. The definition of a <I>Household Family Member</I> includes an <I>Access Person</I>&rsquo;s spouse,
significant other, minor children or other family members who also share the same household with the <I>Access Person</I>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Access Persons</I> must understand that their ability (as well
as the ability of their <I>Household Family Members</I>) to buy and sell <I>Securities</I> may be limited by the Code and that
trading activity by the <I>Firm</I>, <I>Clients</I> and/or other <I>Manulife Affiliates</I> may affect the timing of when an <I>Access
Person</I> (as well as a <I>Household Family Member</I>) can buy or sell a particular <I>Security</I>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">5.2 WHAT SECURITIES ARE SUBJECT TO THE PERSONAL TRADING RULES?</P>

<P STYLE="font: 11pt Manulife JH Sans; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Securities</I> in which the <I>Access Person</I> has a <I>Beneficial
Interest</I> are subject to the Code&rsquo;s personal trading restrictions and requirements. An <I>Access Person</I> is deemed
to have a <I>Beneficial Interest</I> in any <I>Security</I> where the <I>Access Person</I> controls or can directly or indirectly
profit or share in the profit derived from a transaction in a <I>Security</I>. An <I>Access Person</I> is presumed to have a <I>Beneficial
Interest</I> in the following <I>Securities</I>:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.3pt"></TD><TD STYLE="width: 22.85pt"><I>&bull;</I></TD><TD><I>Securities</I> owned by an <I>Access Person</I> in their name;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 23.5pt; text-indent: -23.5pt"><I>&nbsp;</I></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.3pt"></TD><TD STYLE="width: 22.85pt"><I>&bull;</I></TD><TD><I>Securities</I> owned by <I>Household Family Members</I>;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 23.5pt; text-indent: -23.5pt"><I>&nbsp;</I></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.3pt"></TD><TD STYLE="width: 22.85pt"><I>&bull;</I></TD><TD><I>Securities</I> owned by an <I>Access Person</I> indirectly through an account or investment vehicle for their benefit, such
as an IRA/RRSP/ RESP/ISA/SIPP, family trust, or family partnership;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 23.5pt; text-indent: -23.5pt"><I>&nbsp;</I></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.3pt"></TD><TD STYLE="width: 22.85pt"><I>&bull;</I></TD><TD><I>Securities</I> in which the <I>Access Person</I> has a joint ownership interest, such as <I>Securities</I> owned in a joint
brokerage account; and</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 23.5pt; text-indent: -23.5pt"><I>&nbsp;</I></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.3pt"></TD><TD STYLE="width: 22.85pt"><I>&bull;</I></TD><TD><I>Securities</I> over which the <I>Access Person</I> has discretion or gives advice (other than for a <I>Firm</I> or <I>Client
</I>account). This includes <I>Securities</I> owned by trusts, private foundations or other charitable accounts for which the <I>Access
Person</I> has investment discretion.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">5.3 REQUIREMENT TO REPORT SECURITIES ACCOUNTS</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Access Persons</I> are required to report the name of the broker,
dealer, bank, or other entity with which the <I>Access Person</I> maintains an account in which any <I>Securities</I> are or can
be held for the <I>Access Person</I>&rsquo;s <I>Beneficial Interest</I> (including accounts of <I>Household Family Members</I>).</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Access Persons</I> are required to report all <I>Securities</I> accounts
within 10 calendar days of initially being designated an <I>Access Person</I>. After this initial report of <I>Securities</I> accounts,
any <I>Securities</I> accounts opened in the future time must be reported no later than 10 calendar days following the opening
of the account or prior to the first discretionary transaction in the account.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The following is a non-exhaustive list of commonly reported <I>Securities
</I>Accounts:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>Brokerage Accounts</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt"><I>&bull;</I></TD><TD><I>Mutual Fund</I> Only Accounts</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>Custodial <I>Securities</I> Accounts</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt"><I>&bull;</I></TD><TD><I>Manulife</I> GSOP Plan Accounts</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>Certain 529 Plans (plans affiliated with or plans with investment options managed by <I>Manulife</I> or a <I>Manulife</I>-affiliated
entity)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>IRA Accounts</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>Stock Purchase Plans</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>Transfer Agent Accounts</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>Variable Life or Annuity Insurance Policies with underlying <I>Affiliated Mutual Fund</I> investment options</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt"><I>&bull;</I></TD><TD><I>Manulife</I> Loan Program <I>Mutual Fund</I> Account</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>John Hancock Unified 401k Plan/<I>Manulife</I> RPS</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>Registered Savings Plan (RRSP/ RESP/TFSA)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>Uncertified Book Entry <I>Securities</I></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>Physical possession of certified <I>Securities</I></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>Employee Stock Option Account</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>U.K. Individual Savings Account (ISA)</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>U.K. Self Invested Pension Plan (SIPP)</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">As an <I>Access Person</I>, you are also required to inform any broker/dealer
when you open a new account that you are employed by a financial institution and also whether you are registered with a broker/dealer.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>5.3.1 MANAGED ACCOUNTS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">As outlined in Section 5.3 above, the requirement to report accounts
in which any <I>Securities</I> are or can be held for the <I>Access Person</I>&rsquo;s <I>Beneficial Interest</I> includes Managed
Accounts (accounts where a professional money manager is charged with sole discretionary authority over the account). However,
<I>Securities</I> transactions in Managed Accounts may be exempt from Section 5.7:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Pre-Clearance Approval Requirement (below) provided the <I>Code Administrator
</I>qualifies the account to be a Managed Account.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>5.3.2 MANAGED ACCOUNT QUALIFICATION PROCESS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The <I>Code Administrator</I> may qualify an account to be a Managed
Account provided the <I>Access Person</I> furnishes a copy of the client Advisory Agreement for the Managed Account. The <I>Code
Administrator</I> will review the agreement to determine if the account qualifies to be a Managed Account.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Once the <I>Code Administrator</I> approves an account to be a Managed
Account, any <I>Securities</I> transactions in the Managed Account are exempt from Section 5.7: Pre-Clearance Approval Requirement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">5.4 DUPLICATE TRANSACTION CONFIRMATIONS AND STATEMENTS</P>

<P STYLE="font: 11pt Manulife JH Sans; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Access Persons</I> must arrange for the <I>Code
Administrator</I> to receive duplicate copies of trade confirmations of <I>Reportable Securities</I> transactions and
periodic account statements for any <I>Reportable Securities</I> accounts in which the <I>Access Person</I> has a <I>Beneficial
Interest</I> in, if the account holds, or has the ability to hold, <I>Reportable Securities</I>. This requirement also
applies to the <I>Securities</I> confirmations and statements of <I>Household Family Members</I>.3</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">5.5 U.S.-BASED PREFERRED BROKERAGE ACCOUNT REQUIREMENT</P>

<P STYLE="font: 11pt Manulife JH Sans; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">U.S.-based <I>Access Persons</I> are required to maintain all <I>Reportable
Securities</I> accounts (including the <I>Reportable Securities</I> accounts of <I>Household Family Members</I>) at one of the
<I>firm&rsquo;s Preferred Brokers</I> unless the account has been qualified by the <I>Code Administrator</I> as an <I>Exempt Securities
Account</I>. A current list of the <I>Firm&rsquo;s Preferred Brokers</I> can be found on <I>StarCompliance</I> or by contacting
the <I>Code Administrator</I>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Upon designation as an <I>Access Person</I>, a person has 45 calendar
days to (i) transfer all assets to a <I>Preferred Broker</I> and close the non-compliant account or (ii) qualify any non- compliant
<I>Securities</I> account as an <I>Exempt Securities Account</I>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">5.6 INITIAL HOLDINGS REPORT AND CERTIFICATION</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">After reporting all <I>Reportable Securities</I> accounts (as outlined
in Section 5.3) <I>Access Persons</I> must file an Initial Holdings Report. This Initial Holdings Report is due within 10 calendar
days after the person became an <I>Access Person</I> and the submitted information must be current as of a date no more than 45
calendar days prior to the date the person became an <I>Access Person</I>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">An <I>Access Person</I> is required to submit with their Initial
Holdings Report a certification that they have disclosed or reported all required <I>Reportable</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">3 The <I>Code Administrator</I> may rely on the operating
groups of <I>Manulife</I>/John Hancock for administration of trading activity limitations and monitoring of market timing policies
for <I>Manulife Affiliated Mutual Funds</I>. To the extent the <I>Code Administrator</I> has ready access to <I>Securities</I> transaction
and holdings information, the <I>Code Administrator</I> is not required to obtain duplicate paper confirmations or statements for
such accounts.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Securities</I> holdings and all <I>Reportable Securities</I> accounts
in which they have a <I>Beneficial Interest</I> (including <I>Household Family Member</I> accounts).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The Initial Holdings Report must include: (i) the title and type
of each <I>Reportable Security</I> in which the <I>Access Person</I> has any <I>Beneficial Interest,</I> (ii) the exchange ticker
symbol or CUSIP number and the number of shares or principal amount of each <I>Reportable Security</I> (each as applicable), (iii)
the name of any broker, dealer, bank, or other entity with which the <I>Access Person</I> maintains an account in which any <I>Reportable
Securities</I> are or can be held for the <I>Access Person</I>&rsquo;s direct or indirect <I>Beneficial Interest</I>, and (iv)
the date the report is submitted by the <I>Access Person</I>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>5.7 QUARTERLY TRANSACTIONS REPORT AND CERTIFICATION</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Access Persons</I> must file a Quarterly Transaction Report that
discloses certain information about each <I>Reportable Security</I> transaction in which they have (or as a result of the transaction
acquired) a <I>Beneficial Interest</I> (including transactions for <I>Household Family Members</I>) during the quarter covered
by the Quarterly Transaction Report.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Each <I>Access Person</I>&rsquo;s Quarterly Transaction Report is
due within 30 calendar days after the end of each calendar quarter. Each <I>Access Person</I>&rsquo;s Quarterly Transaction report
must also include a certification that the submitted Quarterly Transaction Report includes all information required to be reported.
In connection with the Quarterly Transaction Report Certification, <I>Access Persons</I> are required to certify to the accuracy
of the listing of <I>Securities</I> accounts displayed in <I>StarCompliance</I>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The Quarterly Transaction report must include: (i) the date of the
transaction (&ldquo;trade date&rdquo;), (ii) the title of the <I>Reportable Security</I>, (iii) the exchange ticker symbol or CUSIP
number, the interest rate and maturity date, the number of shares or principal amount of each <I>Reportable Security</I>, the type
of transaction or acquisition, the price at which the transaction was effected (each as applicable), (iv) the name of any broker,
dealer, bank, or other entity with or through which the transaction was effected, and (v) the date the report is submitted by the
<I>Access Person</I>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">5.8 REPORTING OF SECURITIES AS GIFTS, DONATIONS AND INHERITANCES</P>

<P STYLE="font: 11pt Manulife JH Sans; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">An <I>Access Person</I>&rsquo;s gift or donation of a <I>Pre-Clearable
Security</I> is considered a &ldquo;sale&rdquo; event (this includes gifts or donations by <I>Household Family Members</I>) and therefore is
subject to pre-clearance approval prior to making the gift or donation. Refer to Section 5.11: Pre-Clearance
Approval Requirement. Additionally, any approved gift or donation event of a <I>Reportable Security</I> must be accurately reflected
in the next Quarterly Transaction Report (Refer to Section 5.7).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The receipt of a gift or inheritance of <I>Reportable Securities
</I>should be promptly reported to the <I>Code Administrator</I> to ensure the new holding is accurately accounted for. However,
the receipt of a gift or inheritance is not subject to pre- clearance.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">5.9 ANNUAL HOLDINGS REPORT AND CERTIFICATION</P>

<P STYLE="font: 11pt Manulife JH Sans; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Access Persons</I> must file an Annual Holdings Report.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The Annual Holdings Report is due within 45 calendar days of December
31st and must be current as of a date no more than 45 calendar days prior to the date this information is reported.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Each <I>Access Person</I> must submit each Annual Holdings Report
with a certification that they have reported all required <I>Reportable Securities</I> holdings and <I>Securities</I> accounts
for which the <I>Access Person</I> holds a <I>Beneficial Interest</I> (including the applicable holdings and accounts of <I>Household
Family Members</I>).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The Annual Holdings Report must include: (i) the title and type of
each <I>Reportable Security</I> in which the <I>Access Person</I> has any <I>Beneficial Interest</I>, (ii) the exchange ticker
symbol or CUSIP number and the number of shares or principal amount of each <I>Reportable Security</I> (each as applicable), (iii)
the name of any broker, dealer, bank, or other entity with which the <I>Access Person</I> maintains an account in which any <I>Reportable
Securities</I> are or can be held for the <I>Access Person</I>&rsquo;s direct or indirect <I>Beneficial Interest</I>, and (iv)
the date the report is submitted by the <I>Access Person</I>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">5.10 ACCESS PERSON&rsquo;S RESPONSIBILITY REGARDING TRANSACTIONS
AND HOLDINGS DATA</P>

<P STYLE="font: 11pt Manulife JH Sans; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">As a convenience to <I>Access Persons</I>, the <I>Code Administrator
</I>works with certain brokers to obtain <I>Securities</I> transactions and holdings data to pre-populate Quarterly Transaction
and Annual Holdings Reports in <I>StarCompliance</I> (where available). However, the pre-populated data may contain omissions or
inaccuracies. It is each <I>Access Person</I>&rsquo;s responsibility to contact the <I>Code Administrator</I> to correct any inaccurate
transactions or holdings data prior to submitting a report or certification.</P>


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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">5.11 PRE-CLEARANCE APPROVAL REQUIREMENT</P>

<P STYLE="font: 11pt Manulife JH Sans; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Access Persons</I> may not purchase, sell or otherwise acquire
or dispose of any <I>Security</I> in which they have (or because of such transaction will establish) a <I>Beneficial Interest</I> without
obtaining advance pre-clearance approval for such transaction from <I>StarCompliance</I> (or the <I>Code Administrator</I>) unless
the <I>Security</I> transaction is exempt from the Code&rsquo;s pre-clearance requirement. Remember, <I>Access Persons</I> are
required to obtain pre-clearance approval for all <I>Securities</I> transactions of persons who qualify as a <I>Household Family
Member</I> of the <I>Access Person</I> unless the <I>Security</I> transaction is exempt from the Code&rsquo;s pre-clearance requirement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Refer to APPENDIX C for a list of <I>Securities</I> and <I>Securities
</I>transactions exempt from the pre-clearance requirement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>5.12 TERMS OF PRE-CLEARANCE</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">During the pre-clearance process, <I>Access Persons</I> will be required
to attest to the following terms of pre-clearance:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>5.12.1 SAME DAY APPROVAL WINDOW</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The pre-clearance approval is valid only for the same day it is granted.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>5.12.2 RESTRICTION ON SECURITIES UNDER ACTIVE CONSIDERATION</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Access Persons may not purchase, sell or otherwise dispose of any
Security in which the Access Person has (or because of such transaction will establish) Beneficial Interest if the Access Person
at the time of the transaction has actual knowledge that:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>the <I>Security</I> (or a related <I>Security</I>) is under <I>Active Consideration for Purchase or Sale</I> by or on behalf
of the <I>Firm</I> or any <I>Client</I> account;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>the <I>Security</I> is on an MNPI Restricted Trading List; and/or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 23.5pt">&bull;</TD><TD>the <I>Access Person</I> is in possession of material non-public information regarding the <I>Security</I>.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>5.12.3 LIMIT ORDERS AND SPECIAL ORDERS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Due to the same-day approval window outlined in Section 5.12.1, multi-day
special orders such as &ldquo;good until cancelled orders&rdquo; or &ldquo;limit orders&rdquo; are prohibited. &ldquo;Day orders&rdquo;
(i.e., orders that automatically expire at the end of the trading day session) are allowed, however the onus is on the <I>Access
Person</I> to check the status of day orders at the end of the trading day to ensure any orders that have not been executed are
cancelled. If a trade order is left open beyond the same-day pre-clearance window, any resulting executed trade will constitute
a Code violation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>5.12.4 MIM PUBLIC MARKETS INVESTMENT TEAM HOLD UNTIL SOLD RULE</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 5%; text-align: left"><IMG SRC="p116.jpg" ALT=""></TD><TD STYLE="width: 2%"></TD><TD STYLE="text-align: left; width: 93%">Please note this term of pre- clearance is <B><U>only</U></B> applicable to the following
Classification Level: <B>MIM Public Markets Front-Office Access Persons.</B></TD>
</TR>               <TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">Refer to Section 7.1 &ndash; MIM Public Markets <I>Investment
Team</I> Hold Until Sold Rule.</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">As outlined in Section 7.1, MIM Public Markets Front-Office Access
Persons associated with an <I>Investment Team</I> (including Household Family Members) are not permitted to sell a holding if the
same holding is held in a <I>Client</I> account managed by the MIM Public Markets Front-Office Access Person&rsquo;s <I>Investment
Team</I>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>5.12.5 INITIAL PUBLIC OFFERINGS &amp; INITIAL
COIN OFFERINGS &amp; PRIVATE PLACEMENTS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">As outlined in Section 5.11, Access Persons must obtain advance pre-
clearance approval for transactions of reportable Securities. This includes Initial Public Offerings, Initial Coin Offerings, and
Private Placements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 5%; text-align: left"><IMG SRC="p116.jpg" ALT=""></TD><TD STYLE="width: 2%"></TD><TD STYLE="text-align: left; width: 93%">Please note that the following Classification Levels may not participate in Initial
Public Offerings (Refer to Section 6.2 &ndash; Initial Public Offering Ban):</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="text-align: center; width: 10%">&bull;</TD><TD STYLE="width: 90%">General Account/MIM Private Markets Front-Office <I>Access Person</I></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="text-align: center; width: 10%">&bull;</TD><TD STYLE="width: 90%">MIM Public Markets Front-Office <I>Access Person</I>.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>5.12.6 INITIAL PUBLIC OFFERINGS, INITIAL COIN OFFERINGS &amp;
PRIVATE PLACEMENT APPROVALS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">As part of the pre-clearance process, pre-clearance requests
for Initial Public Offerings, Initial Coin Offerings and Private Placements will be subject to the approval of the relevant
Chief Investment Officer or designee.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">5.13 INVESTMENT CLUBS</P>

<P STYLE="font: 11pt Manulife JH Sans; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Access Persons</I> (including <I>Household Family Members</I>)
are required to pre-clear and report all pre-clearable and <I>Reportable Securities</I> of their <I>Investment Club</I> in the
same manner as their own personal trades.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 5%; text-align: left"><IMG SRC="p116.jpg" ALT="" STYLE="width: 20px; height: 20px"></TD><TD STYLE="width: 2%"></TD><TD STYLE="text-align: left; width: 93%">Please note that the following Classification Levels may not participate in <I>Investment
Clubs</I> (Refer to Section 6.3 &ndash; Investment Club Ban):</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="text-align: center; width: 10%; vertical-align: bottom">&bull;</TD><TD STYLE="width: 90%">General Account/MIM Private Markets Front-Office <I>Access Person</I></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="text-align: center; width: 10%; vertical-align: bottom">&bull;</TD><TD STYLE="width: 90%">MIM Public Markets Front-Office <I>Access Person</I>.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0">5.14&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;RESTRICTIONS ON
MANULIFE SECURITIES</P>

<P STYLE="font: 11pt Manulife JH Sans; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The Corporate Law Department has a Policy entitled: Manulife Financial
Corporation (&ldquo;MFC&rdquo;): Insider Trading &amp; Reporting Policy. This Policy prohibits <I>Manulife</I> employees from speculating
in MFC <I>Securities</I>. Speculation includes the purchase or sale of MFC <I>Securities</I> with the intention of reselling or
buying back in a relatively short period of time in the expectation of a rise or fall in the market price of such <I>Securities</I>,
buying or selling options, or short selling. The</P>

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    <!-- Field: /Page -->


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0 0; color: #231F20">Policy also outlines requirements for
<I>Manulife</I> employees that are deemed to be &ldquo;Reporting Insiders&rdquo;. Questions related to this Policy and whether
you have been deemed a &ldquo;Reporting Insider&rdquo; should be directed to the Corporate Law Department or to the General Counsel.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">Notwithstanding the above, <I>Access
Persons</I> are subject to pre-clearance requirements for transactions in MFC <I>Securities</I>, just like any other <I>Security
</I>(refer to Section 5.11: Pre-Clearance Approval Requirement).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20"><B>5.14.1&nbsp;REQUIREMENT
TO PRE-CLEAR SALES OF MFC SHARES IN THE GSOP PROGRAM</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.6pt 0 0; color: #231F20"><I>Access Persons</I> <U>are</U> required
to pre-clear sales of MFC Shares in the MFC Global Share Ownership Program (GSOP).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.15pt 0 0; color: #231F20">Refer to Section 5.11: Pre-Clearance</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2.35pt 0 0; color: #231F20">Approval Requirement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 2.4pt 0 0; color: #231F20"><I>Access Persons</I> are <U>not</U>
required to pre- clear purchases of MFC Shares in the MFC GSOP.</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">5.15&nbsp;SHORT
TERM PROFIT BAN (&ldquo;60 DAY RULE&rdquo;)</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.6pt 0 0; color: #231F20"><I>Access Persons</I> (including <I>Household
Family Members</I>) cannot directly or indirectly profit from a discretionary purchase and sale of the <I>same Pre- Clearable
Security</I> within 60 calendar days. However, Pre-Clearable <I>Securities</I> whose issuer&rsquo;s market capitalization is $5
Billion USD or more at the time of the transaction are exempt from the 60 Day Rule.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">A voluntary transaction related to
a derivative <I>Security</I> (including options) which results in a profit is permitted so long as the voluntary transaction occurs
more than 60 calendar days after the initial related transaction event.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 8pt; color: #231F20">The following <I>Securities</I> activities
are exempt from the 60-Day Rule:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 5pt; margin-bottom: 0; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 10pt; width: 18pt">&bull;</TD><TD STYLE="padding-bottom: 10pt">All money market fund transactions</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 10pt"><I>&bull;</I></TD><TD STYLE="padding-bottom: 10pt"><I>Automatic Investment Plan</I> transactions (including payroll deduction purchases)</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 10pt">&bull;</TD><TD STYLE="padding-bottom: 10pt">Dividend reinvestment purchase transactions</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 10pt">&bull;</TD><TD STYLE="padding-bottom: 10pt">Issuer <I>Pro Rata Discretionary Transactions</I></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 10pt">&bull;</TD><TD STYLE="padding-bottom: 10pt">Involuntary issuer transactions (i.e. stock dividends, stock splits/ reverse splits or other similar</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 10pt">&bull;</TD><TD STYLE="padding-bottom: 10pt">reorganizations or distributions, call of a debt <I>security</I>, and spin-offs of shares to existing holders)</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 10pt">&bull;</TD><TD STYLE="padding-bottom: 10pt">Automatic purchases into a default investment option by a retirement plan</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 10pt">&bull;</TD><TD STYLE="padding-bottom: 10pt">Other involuntary purchase or sales activity not at the direction of the <I>Access Person</I> or the <I>Access Person</I>&rsquo;s
<I>Household Family Member</I>.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">Conversely, giving gifts and donations
of <I>Securities</I> are considered &ldquo;Sales&rdquo; and are not exempt from the 60-Day Rule.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">The <I>Code Administrator</I> in consultation
with the relevant <I>Chief Compliance Officer</I> may approve waivers to the 60 Day Rule.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20"><IMG SRC="img003.jpg" ALT=""></P>

<P STYLE="text-align: right; font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">17</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt">&nbsp;</DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4.5pt 31.1pt 0 0; color: #231F20"><IMG SRC="img004.jpg" ALT=""></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">5.16 SAME DAY BLACKOUT PERIOD RULE</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20"><I>Access Persons</I> (and <I>Household Family
Members</I>) may not purchase, sell or otherwise acquire or dispose of any <I>Pre-Clearable Security</I> in which they have (or
as a result of such transaction will establish) a <I>Beneficial Interest</I> if that same or Related <I>Pre-Clearable Security
</I>traded in a <I>Client</I> or <I>Firm</I> account on the same day the <I>Access Person</I> (or <I>Household Family Member</I>)
transacts unless <I>(1)</I> the <I>Access Person</I> has no actual knowledge that the same or Related <I>Pre-Clearable Security
</I>is under <I>Active Consideration for Purchase or Sale by</I> an account and (2) the transaction can satisfy the following
exception:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><B>5.16.1 MARKET CAP SECURITIES EXCEPTION</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20"><B>May permit the transaction if the </B><I>Access
Person&rsquo;s</I> <B>pre-clearance request is in the </B><I>Securities</I> <B>of an issuer whose market capitalization is at
least $5B USD or more.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">If a <I>Client</I> or <I>Firm</I> account
trades in a <I>Pre-Clearable Security</I> during the pre-clearance window and an <I>Access Person</I> successfully obtained
pre- clearance approval of a trade, the <I>Access Person</I> may still be required to demonstrate that they did not know that
the same or Related <I>Pre-Clearable Security</I> was under <I>Active Consideration for Purchase or Sale</I> for an account
at the time of the personal trade. <I>Access Persons</I> failing to demonstrate to the <I>firm</I> &ldquo;no knowledge&rdquo;
when requested may be required to sell any <I>Security purchased and/or disgorge any profits realized as a result of a
transaction being found by the Firm to have violated the Same Day Blackout Period Rule.</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #231F20; margin-top: 0; margin-bottom: 6pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="vertical-align: top; width: 5%; text-align: left"><IMG SRC="p116.jpg" ALT="">&nbsp;</TD><TD STYLE="width: 1%"></TD><TD STYLE="text-align: justify; width: 94%">Please note that the following <I>Access Person</I> Classification Levels are subject to a <U>stricter </U>Blackout
                                                                                  period Rule. (Refer to Section 6.1 - 15 Day Blackout Period Rule.):</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 4.3pt; margin-bottom: 0; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 34.9pt"></TD><TD STYLE="width: 13.45pt">&bull;</TD><TD STYLE="padding-right: 40.25pt">General Account/MIM Private Markets Front-Office <I>Access Person</I></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 34.85pt"></TD><TD STYLE="width: 13.5pt">&bull;</TD><TD>MIM Public Markets Front-Office <I>Access Person</I>.</TD></TR></TABLE>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 1.85pt 0 0 48.3pt; color: #231F20">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 4.55pt 0 0; color: #231F20">5.17 EXCESSIVE TRADING
IS DISCOURAGED</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">While active personal trading may not in
and of itself raise issues under the <I>Securities Law</I>s, a high volume of personal trading by an <I>Access Person</I> can
be time consuming and can increase the possibility of actual or apparent conflicts with portfolio transactions. Accordingly, high
levels of discretionary personal trading activity by an <I>Access Person</I> is strongly discouraged and will be subjected to
enhanced scrutiny including reporting to the <I>Ethics Oversight Committee</I>. Additionally, limitations may be imposed on the
number of <I>Pre-Clearable Securities</I> pre-clearance requests permitted during a given period for <I>Access Persons</I>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0; color: #231F20"><B>5.18 INFORMATION BARRIERS </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0; color: #231F20">The <I>Firm</I> has adopted the
&ldquo;INFORMATION BARRIER POLICY&rdquo; to establish, maintain, and enforce information barriers reasonably designed to meet
its business needs and satisfy its contractual and regulatory obligations. In addition, the policy establishes safeguards and
controls to ensure the integrity of these information barriers and prevent the improper transfer or sharing of sensitive
information between business units.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">&nbsp;</P>







<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4.5pt 31.1pt 0 0; color: #231F20"><I>Access Persons</I> must comply
with the specific standards and requirements of the &ldquo;INFORMATION BARRIER POLICY&rdquo;.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4.5pt 31.1pt 0 0; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4.5pt 0 0; text-align: left; color: #231F20">18</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><B>6. Additional Personal Trading Rules for Front-Office Access</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10.3pt 0 0; color: #231F20"><I>Applicable to all General Account/MIM
Private Markets Front-Office Access Persons and all MIM Public Markets Front-Office Access</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10.3pt 0 0; color: #231F20">The rules in this Section are applicable
to the following Access Classification Levels:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 7.35pt; margin-bottom: 0; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>General Account/MIM Private Markets Front-Office <I>Access Person</I></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-bottom: 0; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18pt">&bull;</TD><TD>MIM Public Markets Front-Office <I>Access Person</I>.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.95pt 0 0; text-indent: -18pt; color: #231F20">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0 0; color: #231F20">6.1 15 DAY BLACKOUT PERIOD RULE</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">Front-Office <I>Access Persons</I> (and <I>Household
Family Members</I>) may not purchase, sell or otherwise acquire or dispose of any <I>Pre-Clearable Security</I> in which they
have (or as a result of such transaction will establish) a <I>Beneficial Interest</I> if that same or Related <I>Pre-Clearable
Security</I> traded in a <I>Client</I> or <I>Firm</I> account 7 calendar days before such a transaction (or will trade in a <I>Client
</I>or <I>Firm</I> account 7 days following such a transaction) unless (1) the Front-Office <I>Access Person</I> has no actual
knowledge that the same or Related <I>Pre-Clearable Security</I> is under <I>Active Consideration for Purchase or Sale by</I> an
account and (2) the transaction can satisfy one of the following exceptions:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.2pt 0 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">6.1.1 MARKET CAP SECURITIES EXCEPTION</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">May permit the transaction if the Front-Office Access Person&rsquo;s pre-clearance request is in the Securities of an issuer whose market capitalization is at least $5B
USD or more.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 0 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">6.1.2 DE MINIMIS TRADING EXCEPTION</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">May permit the transaction if all of the
Front-Office <I>Access Person</I>&rsquo;s aggregate total same-day pre-clearance requests for the same or Related <I>Pre-Clearable
Security</I> have a transaction market value of less than $25,000 USD and (in the case of equities) the same
day transactions in the <I>Pre-Clearable Security</I> total no more than 500 equity shares.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">If a <I>Client</I> or <I>Firm</I> account trades
in a <I>Pre-Clearable Security</I> during the pre- clearance window and a Front-Office <I>Access Person</I> successfully obtained
pre-clearance approval of a trade, the Front-Office <I>Access Person</I> may still be required to demonstrate that they did not
know that the same or Related <I>Pre- Clearable Security</I> was under <I>Active Consideration for Purchase or Sale</I> for an
account at the time of the personal trade. Front-Office <I>Access Persons</I> failing to demonstrate to the <I>Firm</I> &ldquo;no
knowledge&rdquo; when requested may be required to sell any <I>Security</I> purchased and/or disgorge any profits realized as a
result of a transaction being found by the <I>Firm</I> to have violated the 15 Day Blackout Period Rule.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0 0; color: #231F20">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">6.2 INITIAL PUBLIC OFFERING BAN</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">Front-Office <I>Access Persons</I> may not
directly or indirectly acquire a <I>Beneficial Interest</I> in a <I>Security</I> through an <I>Initial Public Offering (IPO).
Consequently Front-Office Access Persons (including Household Family Members) must wait to purchase newly- issued IPO Securities
until the next business (trading) day following the offering date of the IPO.</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.15pt 0 0; color: #231F20">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18.45pt; text-indent: -18.45pt; color: #231F20">6.3 INVESTMENT
CLUB BAN</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">Front-Office <I>Access Persons</I> (including
<I>Household Family Members</I>) are prohibited from participating or holding an interest in any <I>Investment Club</I>.</P>

<P STYLE="text-align: right; font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">19</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>7. Additional Personal Trading Rules for MIM Public Markets Front-Office
Access Persons</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 192.55pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><I>Applicable to all MIM Public Markets Front-Office Access
Persons</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; color: #231F20">The rules in this Section are applicable to the
following Access Classification Levels:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 6.95pt; margin-bottom: 0; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 18.05pt">&bull;</TD><TD>MIM Public Markets Front-Office <I>Access Person</I>.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6.95pt 0 0; text-indent: -18.05pt; color: #231F20">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">7.1 MIM PUBLIC MARKETS INVESTMENT TEAM HOLD
UNTIL SOLD RULE</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0; color: #231F20">MIM Public Markets Front-Office <I>Access
Persons</I> associated with an <I>Investment Team</I> (including <I>Household Family Members</I>) are not permitted to sell a <I>Pre-
Clearable Security</I> holding in which they have a <I>Beneficial Interest</I> if (i) the same <I>Security</I> is held in a <I>Client
</I>account managed by the MIM Public Markets Front-Office <I>Access Person&rsquo;s Investment Team</I> and (ii) the MIM Public
Markets Front-Office <I>Access Person</I> (or <I>Household Family Member</I>) purchased the <I>Security</I> after the date of
the Code&rsquo;s initial adoption or the date the person was named to the relevant <I>Investment Team</I> (whichever date is later).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0; color: #231F20">20</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>8 Administration of the
Code</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>


<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 16.95pt; text-indent: -16.95pt; color: #231F20">8.1 PENALTIES
FOR CODE VIOLATIONS</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: -16.95pt; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Penalties for violating the <I>Securities
Law</I>s can be severe, both for the individuals involved and their employers. A person can be subject to penalties even if
they did not personally benefit from the violation. Penalties may include civil injunctions, payment of profits made or
losses avoided (&ldquo;disgorgement&rdquo;), jail sentences, fines for the person committing the violation, and fines for the
employer or other controlling person.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4.65pt 0 0; color: #231F20">In addition, any violation of the Code is
subject to the imposition of sanctions by the <I>Firm</I> as may be deemed appropriate under the circumstances by the <I>Firm</I>.
These sanctions could include, without limitation, bans on personal trading (including <I>Household Family Member</I> trading),
disgorgement of trading profits, and personnel action, including termination of employment, where appropriate.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4.65pt 0 0; color: #231F20">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0 0 18.45pt; text-indent: -18.45pt; color: #231F20">8.2 EXEMPTIONS
AND APPEALS</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">In cases of hardship, exemptions from Code
provisions may be granted by the <I>Code Administrator</I>, in consultation with the relevant <I>Chief Compliance Officer</I>,
where warranted by applicable facts and circumstances, if permitted by law, and if the <I>Code Administrator</I> and/or <I>Ethics
Oversight Committee</I> determines an exemption would be in accordance with the spirit of the General Principles of the Code and
the <I>Securities Law</I>s. <I>Associates</I> and <I>Access Persons</I> may direct their request for an exemption to the <I>Code
Administrator</I> or the relevant <I>Chief Compliance Officer</I>. The <I>Code Administrator</I> and/ or <I>Ethics Oversight Committee
</I>is also authorized to modify the personal trading provisions of this Code where local law would prohibit the application of
a specific provision.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0 0; color: #231F20">If an <I>Associate</I> or <I>Access Person
</I>believes that a Code-related request for exemption has been incorrectly denied by the <I>Code Administrator</I> and/or <I>Ethics
Oversight Committee</I>, or that a Code-related action is not warranted, they may make a written appeal of the decision or action
within 30-days of the decision or action to the <I>Ethics Oversight
Committee</I>. The <I>Code Administrator</I> will arrange an appropriate forum or communication for the consideration of appeals.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0 0; color: #231F20">&nbsp;</P>


<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0 0 18.5pt; text-indent: -18.5pt; color: #231F20">8.3 CODE
AMENDMENTS</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">The <I>Code Administrator</I>, in consultation
with the relevant <I>Chief Compliance Officer</I>, is permitted to approve non-material amendments to the Code and the <I>Ethics
Oversight Committee</I> (or relevant Board, if applicable) is responsible for approving any material amendments.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">For certain <I>Affiliated Mutual Fund</I> and
<I>Affiliated Registered Closed-End Fund Clients</I>, the respective Board of Trustees must approve any material changes to the
Code within 6 months of the adoption of the material change in accordance with the requirements of SEC Rule 17j-1 under the Investment
Company Act of 1940.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 6.1pt 0 0 18.5pt; text-indent: -18.5pt; color: #231F20">8.4 PRIVACY</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">All confidential information received by
the <I>Code Administrator</I> or Code service providers is kept confidential and will only be disclosed to others as required to
administer this Code, or to report violations to the <I>Ethics Oversight Committee</I>, management, regulators, or other legal
authority.</P>

<P STYLE="text-align: right; font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">21</P>




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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0 18.45pt; text-indent: -18.45pt; color: #231F20"><IMG SRC="img005.jpg" ALT=""></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0 18.45pt; text-indent: -18.45pt; color: #231F20">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0 18.45pt; text-indent: -18.45pt; color: #231F20">8.5
CODE ADMINISTRATION</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">The <I>Firm&rsquo;s</I> relevant <I>Chief
Compliance Officers</I>, together with the <I>Code Administrator</I>, maintain responsibility for establishing policies and procedures
for the administration of the Code; monitoring and testing for Code compliance; ensuring Code training is provided to <I>Associates
</I>and <I>Access Persons</I>; granting exemptions to any provision of the Code, on an individual or class basis; and considering
and recommending material amendments to the Code to the <I>Ethics Oversight Committee</I> (or relevant Board, if applicable).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">The <I>Ethics Oversight Committee</I> (or
relevant Board, if applicable) retains the ultimate discretion as to the interpretation the Code&rsquo;s provisions in any given
situation, rendering material sanctions for violations of the Code, and rendering final judgments on any <I>Associate</I>&rsquo;s
or <I>Access Person</I>&rsquo;s appeal of any decision or ordinary sanction imposed by the <I>Code Administrator</I>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5.65pt 0 0 25.5pt; text-indent: -25.5pt; color: #231F20"><B>8.5.1 CONTACT</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0"><FONT STYLE="color: #231F20">The <I>Code Administrator</I> can
be contacted at The Code of Ethics, Global Center of Expertise - </FONT><FONT STYLE="color: #636466"><U>INVDIVCodeofEthics@manulife.com</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0 18.45pt; text-indent: -18.45pt; color: #231F20">8.6
RECORDKEEPING</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">The <I>Code Administrator</I> maintains or
causes to be maintained, the following records: (1) a copy of the Code or any predecessor code of ethics which has been in effect
during the most recent 7-year period; (2) a record of any violation of the Code, or any predecessor code of ethics, and of any
action taken as a result of such violation in the 7-year period following the end of the fiscal year in which the violation took
place; (3) a list of all persons currently or within the most recent 7-year period who were required to make reports pursuant
to the Code (or any predecessor Code) and the person(s) who were responsible for reviewing these reports; (4) copies of all acknowledgements
of each person&rsquo;s receipt of the Code, Initial and Annual Holdings Reports, Quarterly Transaction Reports, and duplicate
brokerage confirmations and <I>Securities</I> account statements (as applicable) filed during the most recent 7-year period; and
(5) a record of the approval of, and rationale supporting, the acquisition of <I>Securities</I> by <I>Access Persons</I> in an
<I>Initial Public Offering</I> or <I>Limited Offering</I> for at least 7 years after the end of the fiscal year in which the approval
is granted.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20">Code records will be maintained for the
first 2 years in an office of the <I>Firm</I> (in paper or accessible electronically) and in an easily accessible place for the
time period as required by any applicable regulations thereafter.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; margin: 10pt 0 0; color: #231F20">22</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.55pt 0 0; color: #231F20"><U>Appendix A</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.55pt 0 0 6.8pt; color: #231F20"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0 0; color: #231F20"><B>Definitions of Italicized Code of Ethics
Terms</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.3pt 0 0"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; width: 20%; border: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Access Person</P></TD>
    <TD STYLE="padding: 4pt; width: 80%; border-top: #231F20 1pt solid; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><I>Access Persons</I> are any <I>Associate
       </I> who, in connection with their regular functions or duties: (i) has regular access to non-public information regarding the purchase
        or sale of <I>securities</I> or non-public information regarding the portfolio holdings of <I>Client</I> or <I>Firm</I> accounts,
        (ii) has a job function that relates to the making (or participating in making) of recommendations regarding the purchase or sale
        of <I>Securities</I> for <I>Firm</I> or <I>Client</I> accounts, or (iii) regularly has or may have access to material, non-public <I>securities
       </I> information. See Section 3: Access Classification Levels and Applicable Rules.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Active Consideration for Purchase or Sale</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">A <I>Security</I> is under <I>Active Consideration for Purchase or Sale</I> once an analyst wishes to recommend or a portfolio manager forms a specific intent to purchase or sell a <I>Security</I> for a <I>Client</I> or <I>Firm</I> account.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Advisory Person of a Fund</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">An <I>Advisory Person of
a Fund</I> is (i) any &ldquo;<I>Access Person</I>&rdquo; of the <I>Fund</I> (as defined by SEC Rule 17j- 1), (i) any director,
officer, general partner, or employee of a <I>Fund</I> or its investment adviser (or of any company in a control relationship
to the <I>Fund</I> or its investment adviser who, in connection with their regular functions or duties, makes, participates in,
or obtains information regarding the purchase or sale of &ldquo;covered <I>securities</I>&rdquo; (as defined by SEC Rule 17j-1)
by the <I>Fund</I>, or whose functions relate to the making of any recommendations with respect to such purchases or sales; or
(iii) any natural person in a control relationship to the <I>Fund</I> or investment adviser who obtains information regarding
recommendations made to the <I>Fund</I> with regard to the purchase or sale of covered <I>securities</I>. Note: <I>Advisory Persons
of a Fund</I> that are also personnel of John Hancock Investment Management, LLC (&ldquo;JHIM LLC&rdquo;) are covered under a
separate joint <I>Fund</I> and JHIM LLC code of ethics. Additionally, <I>Advisory Persons of a Fund</I> that are also independent
trustees of a <I>Fund</I> are covered under a separate <I>Fund</I> independent trustee code of ethics.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Affiliated Mutual Fund</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Any <I>Mutual Fund</I> for which <I>Manulife</I> serves as an investment adviser (or sub-adviser) or whose investment adviser (or sub-adviser) controls, is controlled by, or is under common control with <I>Manulife</I>. (e.g., <I>Manulife</I> or John Hancock <I>Mutual Funds</I>).</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Affiliated Registered Closed-End Fund</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Any U.S. registered <I>Closed-End Investment Company</I> or business development company for which <I>Manulife</I> serves as an investment adviser (or sub-adviser) (e.g., John Hancock GA Mortgage Trust, etc).</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Associate</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><I>Associates</I> are: (i) any partner,
        officer, director, or other person occupying a similar status or performing similar functions of the <I>Firm</I> (ii) an employee
        of the <I>Firm</I> (iii) any person who provides investment advice on behalf of the <I>Firm</I> and is subject to the supervision
        and control of the <I>Firm</I> (iv) any person meeting the definition
        of <I>Access Person</I>; (v) an <I>Advisory Person of a Fund</I>; (vi) certain <I>Manulife Affiliate</I> persons who engage, directly
        or indirectly, in the <I>Firm&rsquo;s</I> investment advisory activities; and (vii) any other person who the <I>Code Administrator
       </I> deems an <I>Associate</I>.</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; color: #231F20">See Section 3.1.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Automatic Investment Plan</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">A program in which regular periodic purchases (or withdrawals) are made automatically in (or from) investment accounts in accordance with a predetermined schedule and allocation. Examples include automatic dividend reinvestment plans and payroll deduction purchase plans.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: right; color: #231F20">23</P>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; width: 20%; border: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Beneficial Interest</P></TD>
    <TD STYLE="padding: 4pt; width: 80%; border-top: #231F20 1pt solid; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">An <I>Access Person</I> is deemed to
        have a <I>Beneficial Interest</I> in any transaction in which the <I>Access Person</I> controls or has the opportunity to directly
        or indirectly profit or share in the profit derived from the <I>Securities</I> transacted. An <I>Access Person</I> is presumed
        to have a <I>Beneficial Interest</I> in the following <I>Securities</I> and related transaction activities: (1) <I>Securities</I> owned
        by an <I>Access Person</I> in their name; (ii) <I>Securities
       </I> (and <I>Securities</I> accounts) owned by <I>Household Family Members</I>; (iii) <I>Securities</I> owned by an <I>Access Person
       </I> indirectly through an account or investment vehicle for their benefit, such as an IRA/RRSP/RESP/ISA/SIPP, family trust or family
        partnership; (iv) <I>Securities</I> owned in which the <I>Access Person</I> has a joint ownership interest, such as <I>Securities
       </I> owned in a joint brokerage account; and (v) <I>Securities</I> over which the <I>Access Person</I> has discretion or gives advice
        (other than <I>Firm</I> or <I>Client</I> accounts) and includes <I>Securities</I> owned by trusts, private foundations or other
        charitable accounts for which the <I>Access Person</I> has investment discretion. <I>Beneficial Interest</I> is interpreted in
        the same manner under the Code as it would be under Rule 16a-1(a)(2) under the U.S. <I>Securities
       </I> Exchange Act of 1934.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Chief Compliance Officer</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">The term <I>Chief Compliance Officer</I> refers to the <I>Chief Compliance Officer</I> of each applicable entity adopting this Code.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Client</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">For purposes of this Code, the term &ldquo;<I>Client</I>&rdquo; means the specific person or entity that has an investment advisory or investment sub-advisory services agreement (or supervised investment delegation affiliate arrangement) with a specific entity adopting this Code. The term &ldquo;<I>Client</I>&rdquo; also includes a Fund.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Closed-End Investment Company</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">A <I>Closed-Fund Investment Company
       </I> is a registered investment company that issues a fixed number of shares and is usually traded on a major stock exchange. In
        contrast, an open- end investment company (i.e., <I>mutual fund</I>) continuously offers new shares to the public and repurchases shares at net asset value.
        Note: Many REITs are <I>Closed-End Investment Companies</I>.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Code Administrator</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20"><I>Code Administrator</I> refers to the person (or persons) primarily responsible for the day-to-day administration of the Code. The Code Administrator can be contacted at The Code of Ethics, Global Center of Expertise - </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #636466"><U>INVDIVCodeofEthics@manulife.com</U></FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Cryptocurrencies</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">A <I>cryptocurrency</I> (or crypto currency) is a digital asset designed to work as a medium of exchange that uses strong cryptography to secure financial transactions, control the creation of additional units, and verify the transfer of assets. <I>Cryptocurrencies</I> use decentralized control as opposed to centralized digital currency and central banking systems. The decentralized control of each <I>cryptocurrency</I> works through distributed ledger technology, typically a blockchain, that serves as a public financial transaction database.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Direct Obligations of
the Government of the U.S. or U.K.</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Any <I>Security</I> directly issued or guaranteed as to principal or interest by the United States. Examples of direct obligations include Cash Management Bills, Treasury Bills, Notes and Bonds, and STRIPS. It is important to note that Federal National Mortgage Association (Fannie Mae), and Federal Home Loan Mortgage Corporation (Freddie Mac) <I>Securities</I> are not Direct Obligations of the Government of the United States. Direct Obligations of the U.K. refers to the following list of <I>Securities</I> issued and guaranteed by the United Kingdom Treasury: Premium Savings Bonds, Index Linked Savings Certificates, Fixed Interest Savings Certificates, Guaranteed Equity Bonds, Capital Bonds, Children&rsquo;s Bonus Bonds, Fixed Rate Savings Bonds, Income Bonds, and Pensioners Guaranteed Income Bonds. Refer to M&amp;G Investment Management Ltd. SEC No-Action Letter (Sept. 10, 2002).</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;Ethics Oversight Committee</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">The <I>Ethics Oversight Committee</I> is an ad hoc or standing compliance committee composed of <I>Code Administrator</I> personnel, relevant <I>Chief Compliance Officers</I> and certain senior management.</FONT></TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; width: 20%; border: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Exchange-Traded Fund (ETF)</P></TD>
    <TD STYLE="padding: 4pt; width: 80%; border-top: #231F20 1pt solid; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">An <I>Exchange-Traded Fund (ETF)</I> is an investment fund traded on stock exchanges. An ETF holds assets such as stocks, commodities or bonds. Most ETF&rsquo;s track an index, such as a stock index or bond index. ETF transactions require annual and quarterly reporting, but do not require advance pre-clearance approval. Refer to APPENDIX C for further information on reporting ETF transactions and holdings.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; margin: 10pt 0 0; color: #231F20">24</P>
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<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; width: 20%; border: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Exempt Securities Accounts</P></TD>
    <TD STYLE="padding: 4pt; width: 80%; border-top: #231F20 1pt solid; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">With written approval from
        the <I>Code Administrator</I>, U.S.-based <I>Access Persons</I> (and <I>Household Family Members</I>) subject to the <I>Preferred
        Broker</I> Requirement of Section 5.5 are permitted to maintain a <I>Securities</I> account with an entity other than with a <I>Preferred
        Broker</I>, if the <I>Securities</I> account can meet one of the following exemptions: (i) it contains only <I>Securities</I> that
        can&rsquo;t be transferred; (ii) it exists solely for products or services that one of the <I>Preferred Brokers</I> cannot
        provide; (iii) it exists solely because your spouse&rsquo;s or significant other&rsquo;s employer prohibits external covered
        accounts; (iv) it is managed by a third-party registered investment adviser; (v) it is restricted to trading interests in 529
        College Savings Plans; (vi) it is associated with an ESOP (employee stock option plan) or an ESPP (employee stock purchase
        plan); (vii) employee sponsored phantom stock or option plan; (viii) it is required by a direct purchase plan, a dividend
        reinvestment plan, or an <I>Automatic Investment Plan</I> with a public company in which regularly scheduled investments are
        made or planned; (ix) it is a <I>Mutual Fund</I> only account; (x) it is required by a trust agreement; (xi) it is <I>associate</I>d
        with an estate of which the <I>Access Person</I> is the executor, but not a beneficiary, and involvement with the account is
        temporary; (xii) transferring the account would be inconsistent with other applicable rules; or (xii) other exception
        approved by the <I>Code Administrator</I>.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Firm</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Global Wealth and Asset Management (&ldquo;GWAM&rdquo;) and General Account Investments (&ldquo;GA&rdquo;) business groups and the entities listed in Appendix B of this Code.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Fund(s)</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20"><I>Fund</I> (or collectively <I>Funds</I>) means the John Hancock GA Mortgage Trust, John Hancock Private Placement Trust, and John Hancock GA Senior Loan Trust.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;High Quality Short Term Debt Instrument</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Any instrument that has a maturity at issuance of less than 366 days and that is rated in one of the two highest rating categories by a nationally recognized rating organization (e.g., S&amp;P, Moody&rsquo;s, Fitch, A.M. Best).</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Household Family Member</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; color: #231F20">An <I>Access Person</I>&rsquo;s
        spouse, &ldquo;significant other,&rdquo; minor children, or other family member who also shares the same household with the <I>Access
        Person</I>. An <I>Access Person</I>&rsquo;s &ldquo;significant other&rdquo; is defined as a person who (i) shares the same household
        with the <I>Access Person</I>; (ii) shares living expenses with the <I>Access Person</I>; and (iii) is in a committed personal
        relationship with the <I>Access Person</I> and there is an intention to remain in the relationship indefinitely.</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">The <I>Code Administrator</I>, after
        reviewing all the pertinent facts and circumstances, may determine, if not prohibited by applicable law, that an indirect <I>Beneficial
        Interest</I> over <I>Securities</I> held by members of the <I>Access Person</I>&rsquo;s <I>Household Family Members</I> does not
        exist or is too remote for purposes of the Code&rsquo;s requirements.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Initial Coin Offering</P></TD>
    <TD STYLE="border-right: #231F20 1pt solid; padding: 4pt; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">An <I>Initial Coin Offering</I> (ICO) is the <I>cryptocurrency</I> industry&rsquo;s equivalent to an <I>Initial Public Offering</I> (IPO) (see IPO definition below). ICOs act as a way to raise funds, where a company looking to raise money to create a new coin, app, or service launches an ICO. Interested investors can buy into the offering and receive a new <I>cryptocurrency</I> token issued by the company. This token may have some utility in using the product or service the company is offering, or it may just represent a stake in the company or project.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Initial Public Offering</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">An offering of <I>Securities</I> registered under the U.S. <I>Securities</I> Act of 1933 (or comparable non-U.S. registration statute or regime), the issuer of which, immediately before the registration, was not subject to the reporting requirements of Sections 13 or 15(d) of the U.S. <I>Securities</I> Exchange Act of 1934 (or comparable non-U.S. compulsory reporting requirements).</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Investment Club</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">A group of people who pool their assets
        in order to make joint decisions (typically a vote) on which <I>Securities</I> to buy, hold or sell.</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: right; color: #231F20">25</P>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; width: 20%; border: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Investment Team</P></TD>
    <TD STYLE="border-top: #231F20 1pt solid; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">An individual <I>Investment Team</I> describes the grouping of analysts and portfolio managers who make or participate in making recommendations regarding the purchase or sale of <I>securities</I> for designated <I>Client</I> accounts. The <I>Code Administrator</I> or CCO may also assign certain traders to specific <I>Investment Teams</I> if the trader regularly participates in the <I>Security</I> recommendation process with the analysts or portfolio managers.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Limited Offering</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">A <I>Securities</I> offering that is exempt from registration under the U.S. <I>Securities</I> Act of 1933, pursuant to Section 4(2) or Section 4(6) or pursuant to Rule 504, Rule 505, or Rule 506 under the <I>Securities</I> Act of 1933, or equivalent foreign statute or regulation. Also known as a <I>private placement Security</I> (e.g., private investment <I>funds</I>, &ldquo;hedge <I>funds</I>,&rdquo; limited partnerships, etc.)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Manulife</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Manulife Financial Corporation.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Manulife Affiliate</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">All persons or entities controlled by <I>Manulife</I>.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Mutual Fund</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-indent: 0; color: #231F20">(a) Any
        U.S. registered open-end investment management company (i.e., <I>mutual fund</I>); or</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">(b) a
        Canadian or foreign regulated <I>mutual fund</I> (UCITs etc.) which meets the following 4 requirements: (i) redemption on demand
        at the net asset value of <I>fund</I> shares, (ii) forward pricing reflecting the net asset value of <I>fund</I> shares, (iii)
        daily calculation of the <I>fund</I>&rsquo;s net asset value in a manner consistent with principles
        and rules adopted under the Investment Company Act of 1940, and (iv) absence of a secondary
        market. Refer to SEC No-Action Letter, Manufacturers Adviser Corp., Sept. 10, 2002.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">No Direct or Indirect Control Over
        Account</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Purchases, sales or dispositions of <I>Securities</I> over which a person has no direct or indirect influence or control (e.g., a &ldquo;blind trust&rdquo; or certain managed accounts which the <I>Access Person</I> has obtained from the <I>Code Administrator</I> a written exemption).</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Pre-Clearable Security</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">All <I>Securities</I> except those <I>Securities</I> listed on APPENDIX C of the Code as exempt from the pre- clearance requirements of the Code.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Preferred Brokers</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">A current list of <I>Preferred Brokers</I> can be found on <I>StarCompliance</I> or by contacting the <I>Code Administrator</I>. Refer to Section 5.5 for further information regarding the U.S.-Based <I>Preferred Broker</I>age Account requirements.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Private Placement</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20"><I>Private Placement</I> (or non-public offering) is a funding round of <I>Securities</I> which are not sold through a public offering, but rather through a private offering, mostly to a small number of chosen investors.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Pro Rata Discretionary Transactions</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Purchases or other acquisitions or dispositions of <I>Securities</I> resulting from the discretionary exercise of rights acquired from an issuer as part of a pro rata distribution to all holders of a class of <I>Securities</I> of the issuer. (e.g., discretionary participation in takeovers, rights &amp; tender/ exchange offerings).</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Reportable Security</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">All <I>Securities</I> except those <I>Securities</I> listed as exempt from the Initial and Annual Holdings Report and Quarterly Transaction Report requirements on APPENDIX C of the Code.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Same (or Related) Pre-Clearable
        Security</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">For an equity <I>Security</I>, the <I>Same Pre-Clearable Security</I> would include all other equity <I>securities</I> of the same issuer or, other instrument whose value is derived from the value of the issuer&rsquo;s equity <I>Securities</I>. For a debt <I>Security</I>, the <I>Same Pre-Clearable Security</I> would include all other debt instruments of the same issuer as well as any instrument whose value is derived from the credit, value or reference to the issuer&rsquo;s debt.</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; margin: 10pt 0 0; color: #231F20">26</P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="border: #231F20 1pt solid; padding: 0 4pt 4pt; text-align: left; width: 20%; vertical-align: middle">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 0; margin: 0; color: #231F20">Security (Securities)</P></TD>
    <TD STYLE="padding: 4pt; width: 80%; border-top: #231F20 1pt solid; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">A &ldquo;<I>security</I>&rdquo;
        as defined by Section 1(1) of the Ontario <I>Securities</I> Act, the Hong Kong <I>Securities</I> and Futures Ordinance, Section
        3(a)(10) or the Investment Advisers Act of 1940. Examples include but are not limited to: any note, stock, treasury stock, <I>security
       </I> future, bond, debenture, evidence of indebtedness, <I>mutual funds</I>, closed-end <I>funds</I>, unit investment trusts, REITS,
        ETFs, commodity <I>funds</I>, broker cds, certificate of interest or participation in any profit-sharing agreement, collateral-trust
        certificate, pre-organization certificate or subscription, transferable share, investment contract, <I>security</I>-based swap,
        voting-trust certificate, certificate of deposit for a <I>security</I>, fractional undivided interest in oil, gas, or other mineral
        rights, any put, call, straddle, option, or privilege on
        any &ldquo;<I>security</I>&rdquo; (including a certificate of deposit) or on any group or index of <I>securities</I> (including
        any interest therein or based on the value thereof), or any put, call, straddle, option, or privileged entered into on a national
        <I>securities</I> exchange related to foreign currency, or, in general, any interest or instrument commonly known as a &ldquo;<I>security</I>&rdquo;,
        or any certificate of interest or participation in, temporary or interim certificate for, receipt for, guarantee of, or warrant
        or right to subscribe to or purchase any of the foregoing. References to a <I>Security</I> also includes any warrant for, option
        in, or &ldquo;<I>security</I>&rdquo; or other instrument immediately convertible into or whose value is derived from that &ldquo;<I>security</I>&rdquo;
        and any instrument or right which is equivalent to that &ldquo;<I>security</I>.&rdquo; The definition of <I>Security</I> applies
        regardless of the registration status or domicile of registration of the <I>Security</I> (i.e., the term <I>Security</I> includes
        both <I>private placements</I>/ limited partnership interests and publicly-traded <I>securities</I> as well as domestic and foreign
        <I>Securities</I>). For purposes of this Code, the definition of <I>Securities</I> also includes other instruments and interests labeled as reportable on
        APPENDIX C of this Code.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Securities Laws</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">The <I>Securities Law</I>s include various domestic and foreign <I>securities</I>-related laws, statutes and rules/regulations that govern the <I>Firm&rsquo;s</I> investment management activities and includes: Ontario <I>Securities</I> Act, U.K. Financial Services Authority regulations, the <I>Securities</I> and Futures Ordinance of Hong Kong, <I>Securities</I> and Futures Act (Singapore), the <I>Securities</I> Act of 1933 (U.S.), the <I>Securities</I> Exchange Act of 1934 (U.S.), the Sarbanes-Oxley Act of 2002 (U.S.), the Investment Company Act of 1940 (U.S.), the Investment Advisers Act of 1940 (U.S.), Title V of the Gramm- Leach-Bliley Act (U.S.), and the Bank Secrecy Act (U.S.) (as it applies to <I>funds</I> and investment advisers).</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">StarCompliance</P></TD>
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">The web-based reporting and certification system used by the <I>Firm</I> to facilitate compliance with certain reporting and pre-clearance obligations imposed under the Code (a.k.a., Star). The <I>Code Administrator</I> may approve alternate reporting methods if deemed appropriate.</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: right; color: #231F20">27</P>
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<P STYLE="text-align: right; font: 10pt Arial, Helvetica, Sans-Serif; margin: 4.4pt 0 0; color: #231F20"><B><U>Appendix B</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; color: #231F20"><B><SUP>1</SUP>Legal Entity Adoption of the
Code</B></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

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        <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: white"><B>Legal Entity:</B></P></TD>
    <TD STYLE="border-top: #231F20 1pt solid; text-align: left; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 4pt; text-indent: 0; width: 18%; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>Jurisdiction/ Country</B></FONT></TD>
    <TD STYLE="border-top: #231F20 1pt solid; text-align: left; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; width: 17%; vertical-align: bottom">
        <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: white"><B>Initial Adoption</B> <B>Date</B></P></TD></TR>
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    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Hancock Natural Resource Group, Inc.</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">U.S.</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">April 6, 2020</FONT></TD></TR>
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    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">John Hancock GA Mortgage Trust</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">U.S.</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">April 6, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">John Hancock GA Senior Loan Trust</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">U.S.</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">April 6, 2020</FONT></TD></TR>
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    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Manulife Asset Management and Trust Corporation</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Philippines</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">April 6, 2020</FONT></TD></TR>
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    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Manulife Data Services Inc.</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Barbados</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">April 6, 2020</FONT></TD></TR>
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    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Manulife General Account Investments (HK) Limited</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Hong Kong</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">April 6, 2020</FONT></TD></TR>
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    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Manulife General Account Investments (Singapore) Pte. Ltd.</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Singapore</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">April 6, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Manulife IM (Switzerland) LLC</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Switzerland</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">April 6, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Manulife Investment (Shanghai) Limited Company</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">China</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">April 6, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Manulife Investment Management (Europe) Limited</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">U.K.</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">April 6, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Manulife Investment Management (Ireland) Limited</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Ireland</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">April 6, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Manulife Investment Management (North America) Limited</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Canada</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">April 6, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Manulife Investment Management (US) LLC</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">U.S.</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">April 6, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Manulife Investment Management Distributors Inc.</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Canada</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">April 6, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Manulife Investment Management Limited</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Canada</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">April 6, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Manulife Investment Management Private Markets (Canada) Corp</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Canada</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">April 6, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Manulife Investment Management Private Markets (US) LLC</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">U.S.</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">April 6, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Manulife Investment Management Private Markets Holdings (US) LLC</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">U.S.</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">April 6, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Manulife Overseas Investment Fund Management (Shanghai) Limited Company</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">China</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">April 6, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid">
        <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Manulife US Real Estate Management
Pte, Ltd. (Definition of <I>Associate</I> only includes officers and employees of the entity).</P></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; text-align: left">

        <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Singapore</P></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; text-align: left">

        <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">April 6, 2020</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid">
        <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">The General Account Investments
and the Manulife Investment Management Private Markets Groups of John Hancock Life Insurance Company (U.S.A.)</P></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; text-align: left">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 0; margin: 0; color: #231F20">U.S.</P></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; text-align: left">

        <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">April 6, 2020</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; text-indent: 0; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">The General Account Investments and the Manulife Investment Management Private Markets Groups of The Manufacturers Life Insurance Company</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; text-align: left">

        <P STYLE="text-indent: 0; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20">Canada</P></TD>
    <TD STYLE="vertical-align: bottom; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">April 6, 2020</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.45pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><SUP>1</SUP>This Code has been designed
to be applicable across GWAM and GA and certain regulated entities listed in Appendix B (together the &ldquo;<I>Firm</I>&rdquo;),
however it is being implemented in a multi-phased, multi-year project.</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; margin: 10pt 0 0; color: #231F20">28</P>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.55pt 0 0; color: #231F20"><B><U>Appendix C</U></B><U> </U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.55pt 0 0 6.8pt; color: #231F20"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><B>Securities Reporting &amp; Pre-Clearance
Summary Chart</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0 0 6.8pt; color: #231F20"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #535A5E">
    <TD STYLE="border: #231F20 1pt solid; vertical-align: bottom; padding: 4pt; width: 55%; text-align: left"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 3.95pt; color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Only
                                         applicable to <I>Access Persons</I> in the following Access</FONT> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Classification
        Levels:</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 17.5pt; text-indent: -13.55pt; color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&bull;&nbsp;&nbsp;&nbsp;Regular
        <I>Access Person</I></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6.9pt 0 0 17.45pt; text-indent: -13.5pt; color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&bull;&nbsp;&nbsp;&nbsp;General
        Account/MIM Private Markets Front-Office <I>Access Person</I></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 17.5pt; text-indent: -13.55pt; color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&bull;&nbsp;&nbsp;&nbsp;MIM
        Public Markets Front-Office <I>Access Person</I>.</FONT></P></TD>
    <TD STYLE="border-top: #231F20 1pt solid; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; vertical-align: middle; width: 15%; text-align: center">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I>Reportable
        Security?</I> <B></B></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Initial and Annual Holdings Reports</B></FONT></P></TD>
    <TD STYLE="border-top: #231F20 1pt solid; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; vertical-align: middle; width: 15%; text-align: center">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I>Reportable
        Security?</I> <B></B></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Quarterly Transaction Reports</B></FONT></P></TD>
    <TD STYLE="border-top: #231F20 1pt solid; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; vertical-align: middle; width: 15%; text-align: center">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I>Pre-Clearable</I></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I>Security?</I></FONT></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: #C9CACC">
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Unless
    otherwise indicated on this chart, (i) all <I>Securities</I> positions must be reported initially and annually thereafter,
    (ii) all <I>Securities</I> transactions must receive advance pre-clearance approval, and (iii) all <I>Securities</I> transactions
    must be reported quarterly (italicized terms are defined in the Code).</FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Does
    the <I>Access <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #231F20"><I>Person
   </I> need to <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #231F20">report
    the following <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #231F20">types
    of <I>Securities</I> holdings?</FONT></FONT></FONT></I></FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Does
    the <I>Access <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #231F20"><I>Person
   </I> need to <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #231F20">report
    transactions <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #231F20">in
    the following types of <I>Securities</I>?</FONT></FONT></FONT></I></FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Does
    the <I>Access</I> <I>Person
   </I> need <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #231F20">to
    obtain pre-<FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #231F20"> clearance
    approval <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #231F20">prior
    to transacting in the following</FONT> <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">types of <I>Securities</I>?</FONT></FONT></FONT></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #00A658">
    <TD COLSPAN="4" STYLE="border-top: Black 1pt solid; padding: 4pt; border-right: rgb(35,31,32) 1pt solid; border-bottom: rgb(35,31,32) 1pt solid; border-left: rgb(35,31,32) 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Government
        </B><I>Securities</I></FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20"><I>Direct
    Obligations of the Government of the U.S. or U.K.</I></FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">State,
    Province or Municipal Bonds</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Yes</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Yes</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Direct
Obligations of the Governments of Canada, Japan, Germany, France or Italy</FONT></P></TD>
    <TD STYLE="border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; vertical-align: middle; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Yes</FONT></P></TD>
    <TD STYLE="border-right: #231F20 1pt solid; vertical-align: middle; padding: 4pt; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Yes</FONT></P></TD>
    <TD STYLE="border-right: #231F20 1pt solid; vertical-align: middle; padding: 4pt; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Yes</FONT></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: #00A658">
    <TD COLSPAN="4" STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Money
        Market Instruments/Commodities/Currency</B></FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Bankers
    Acceptances</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Bank
    Certificates of Deposit</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Brokerage
    Certificates of Deposit</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Yes</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Yes</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Commercial
    Paper</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">High
    Quality Short-Term Debt Instruments</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Repurchase
    Agreements</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Money
    Market <I>Funds</I> (including Money Market <I>Affiliated Mutual Funds</I>)</FONT></TD>
    <TD STYLE="border-right: #231F20 1pt solid; vertical-align: middle; padding: 4pt; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD>
    <TD STYLE="border-right: #231F20 1pt solid; vertical-align: middle; padding: 4pt; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Physical
    Commodities and Options and Futures on Commodities (not commodity ETFs or closed-end <I>funds</I>)</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Foreign
and Domestic Currency Holdings/ Transactions (including currency options and futures)</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><I>Cryptocurrencies
</I>(only <I>Initial Coin Offerings</I> &ldquo;ICO&rsquo;s&rdquo; are reportable and pre-clearable)</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">No</FONT></P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; margin: 10pt 0 0; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: right; color: #231F20">29</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt">&nbsp;</DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #535A5E">
    <TD STYLE="vertical-align: middle; padding: 4pt; width: 55%; border: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 3.95pt; color: white">Only applicable to <I>Access Persons
       </I> in the following Access Classification Levels:</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 17.5pt; text-indent: -13.55pt; color: white">&bull;&nbsp;&nbsp;&nbsp;Regular
        <I>Access Person</I></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 17.5pt; text-indent: -13.55pt; color: white">&bull;&nbsp;&nbsp;&nbsp;General
        Account/MIM Private Markets Front-Office <I>Access Person</I></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 17.5pt; text-indent: -13.55pt; color: white">&bull;&nbsp;&nbsp;&nbsp;MIM
        Public Markets Front-Office <I>Access Person</I>.</P></TD>
    <TD STYLE="border-top: #231F20 1pt solid; vertical-align: middle; padding: 4pt; width: 15%; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><I>Reportable Security?</I> <B></B></FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: white"><B>Initial and Annual Holdings Reports</B></FONT></P></TD>
    <TD STYLE="border-top: #231F20 1pt solid; vertical-align: middle; padding: 4pt; width: 15%; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: center">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><I>Reportable Security?</I> <B></B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><B>Quarterly
        Transaction Reports</B></P></TD>
    <TD STYLE="border-top: #231F20 1pt solid; vertical-align: middle; padding: 4pt; width: 15%; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: center">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><I>Pre-Clearable</I></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><I>Security?</I></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: #C9CACC">
    <TD STYLE="border-right: #231F20 1pt solid; vertical-align: middle; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 1pt 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Unless
    otherwise indicated on this chart, (i) all <I>Securities</I> positions</FONT>
    <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #231F20">must
    be reported initially and annually thereafter, (ii) all <I>Securities</I></FONT> <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #231F20">transactions
    must receive advance pre-clearance approval, and (iii) all <I>Securities</I> transactions must be reported quarterly (italicized
    terms are defined in the Code).</font></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 1pt 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Does
    the <I>Access <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #231F20"><I>Person</I> need to <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #231F20">report
    the following types</FONT> <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">of <I>Securities</I> holdings?</FONT></FONT></I></FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 1pt 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Does
    the <I>Access <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #231F20"><I>Person</I> need to <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #231F20">report
    transactions in the following types of <I>Securities</I>?</FONT></FONT></I></FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 1pt 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Does the <I>Access</I> <I>Person</I> need <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #231F20">to
    obtain pre- <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #231F20">clearance
    approval prior to transacting in the following types of <I>Securities</I>?</FONT></FONT></FONT></TD></TR>

<TR STYLE="vertical-align: top; background-color: #00A658">
    <TD COLSPAN="4" STYLE="border-top: Black 1pt solid; padding: 4pt; border-right: rgb(35,31,32) 1pt solid; border-bottom: rgb(35,31,32) 1pt solid; border-left: rgb(35,31,32) 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.4pt 0 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: white"><FONT STYLE="font-size: 10pt"><B>IPOs
        / ICOs, </B><I>Private Placements</I> <B>/ </B><I>Limited Offerings</I></FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: rgb(35,31,32) 1pt solid; vertical-align: middle; padding: 4pt; border-bottom: Black 1pt solid; border-left: rgb(35,31,32) 1pt solid; text-align: left"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 4pt; color: #231F20"><FONT STYLE="font-size: 10pt">IPOs
        &amp; ICOs</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">(Note:
        IPO&rsquo;s are prohibited for the following Classification Levels: GA/ MIM Private Markets Front-Office <I>Access Persons
       </I> &amp; MIM Public Markets Front-Office <I>Access Persons</I>)</FONT></P></TD>
    <TD STYLE="border-right: rgb(35,31,32) 1pt solid; vertical-align: middle; padding: 4pt; border-bottom: Black 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Yes</FONT></P></TD>
    <TD STYLE="border-right: rgb(35,31,32) 1pt solid; vertical-align: middle; padding: 4pt; border-bottom: Black 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Yes</FONT></P></TD>
    <TD STYLE="border-right: rgb(35,31,32) 1pt solid; vertical-align: middle; padding: 4pt; border-bottom: Black 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Yes</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: rgb(35,31,32) 1pt solid; vertical-align: middle; padding: 4pt; border-left: rgb(35,31,32) 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20"><I>Private
    Placements</I>/Private <I>Funds</I>/<I>Limited Offerings</I></FONT></TD>
    <TD STYLE="border-right: rgb(35,31,32) 1pt solid; vertical-align: middle; padding: 4pt; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Yes</FONT></TD>
    <TD STYLE="border-right: rgb(35,31,32) 1pt solid; vertical-align: middle; padding: 4pt; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Yes</FONT></TD>
    <TD STYLE="border-right: rgb(35,31,32) 1pt solid; vertical-align: middle; padding: 4pt; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #00A658">
    <TD COLSPAN="4" STYLE="border-top: Black 1pt solid; padding: 4pt; border-right: rgb(35,31,32) 1pt solid; border-bottom: rgb(35,31,32) 1pt solid; border-left: rgb(35,31,32) 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.4pt 0 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: white"><FONT STYLE="font-size: 10pt"><B>Issuer
        Event Transactions / </B><I>Automatic Investment Plans</I></FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Involuntary
    Issuer Transactions and Holdings (stock dividends, stock splits/reverse splits, or other similar reorganizations or distributions,
    call of a debt <I>security</I>, and spin-offs of shares to existing holders)</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5.35pt 0 0; color: #231F20"><FONT STYLE="font-size: 10pt">Yes</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5.35pt 0 0; color: #231F20"><FONT STYLE="font-size: 10pt">Yes</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5.35pt 0 0; color: #231F20"><FONT STYLE="font-size: 10pt">No</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: #231F20 1pt solid; vertical-align: middle; padding: 4pt; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Issuer
        <I>Pro Rata Discretionary Transactions</I>/Elections (purchases or other acquisitions or dispositions resulting from the
        discretionary exercise of rights acquired from an issuer as part of a pro rata distribution to all holders of a class
        of <I>Securities</I> of such issuer) (e.g., discretionary participation in takeovers, rights &amp; tender/exchange offerings)</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 7.55pt 0 0; color: #231F20"><FONT STYLE="font-size: 10pt">Yes</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 7.55pt 0 0; color: #231F20"><FONT STYLE="font-size: 10pt">Yes</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Yes.
        Pre-clearance approval for discretionary elections should be sought by manually phoning or emailing the</FONT> <FONT STYLE="font-size: 10pt"><I>Code
        Administrator</I> directly. It is important to contact the <I>Code Administrator</I> to avoid having your request improperly</FONT> <FONT STYLE="font-size: 10pt">denied.</FONT></P></TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: rgb(35,31,32) 1pt solid; border-left: #231F20 1pt solid; padding: 4pt; width: 55%; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt"><I>Automatic
        Investment Plans</I></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">(a
        program in which regular periodic purchases or withdrawals are made automatically in (or from) investment accounts in
        accordance with a predetermined schedule and allocation)</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">(for
        <I>Mutual Funds</I> AIPs Refer to below)</FONT></P></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: rgb(35,31,32) 1pt solid; padding: 4pt; width: 15%; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 4pt; color: #231F20"><FONT STYLE="font-size: 10pt">Yes.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">You
        must add up all of the Plan transactions for the year and reflect the activity on the Annual Holdings Report</FONT></P></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: rgb(35,31,32) 1pt solid; padding: 4pt; width: 15%; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 4pt; color: #231F20"><FONT STYLE="font-size: 10pt">No.</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">You
        do not need to report automatic (non-discretionary) Plan transactions on the Quarterly Transaction Report</FONT></P></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: rgb(35,31,32) 1pt solid; padding: 4pt; width: 15%; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">No.
        However, transactions that override</FONT> <FONT STYLE="font-size: 10pt">the
        automatic preset schedule (discretionary purchases /sales, discretionary changes in individual <I>security</I> selection)
        must be pre-cleared. Note: You do not need to pre-clear a change to your money contribution level into a Plan.</FONT></P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; margin: 10pt 0 0; color: #231F20"><FONT STYLE="font-size: 10pt">30</FONT></P>
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    <DIV STYLE="page-break-before: always; margin-top: 6pt">&nbsp;</DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #535A5E">
    <TD STYLE="vertical-align: middle; padding: 4pt; width: 55%; border: #231F20 1pt solid; text-align: left"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 4pt; color: white"><FONT STYLE="font-size: 10pt">Only
        applicable to <I>Access Persons</I> in the following Access</FONT> <FONT STYLE="font-size: 10pt">Classification
        Levels:</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 17.5pt; text-indent: -13.5pt; color: white"><FONT STYLE="font-size: 10pt">&bull;&nbsp;&nbsp;&nbsp;Regular
        <I>Access Person</I></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 17.5pt; text-indent: -13.5pt; color: white"><FONT STYLE="font-size: 10pt">&bull;&nbsp;&nbsp;&nbsp;General
        Account/MIM Private Markets Front-Office <I>Access Person</I></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 17.5pt; text-indent: -13.5pt; color: white"><FONT STYLE="font-size: 10pt">&bull;&nbsp;&nbsp;&nbsp;MIM
        Public Markets Front-Office <I>Access Person</I>.</FONT></P></TD>
    <TD STYLE="border-top: #231F20 1pt solid; vertical-align: middle; padding: 4pt; width: 15%; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><I>Reportable Security?</I> <B></B></FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: white"><B>Initial and Annual Holdings Reports</B></FONT></P></TD>
    <TD STYLE="border-top: #231F20 1pt solid; vertical-align: middle; padding: 4pt; width: 15%; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: center">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><FONT STYLE="font-size: 10pt"><I>Reportable
        Security?</I> <B></B></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><FONT STYLE="font-size: 10pt"><B>Quarterly Transaction Reports</B></FONT></P></TD>
    <TD STYLE="border-top: #231F20 1pt solid; vertical-align: middle; padding: 4pt; width: 15%; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: center">

        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><FONT STYLE="font-size: 10pt"><I>Pre-Clearable</I></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><FONT STYLE="font-size: 10pt"><I>Security?</I></FONT></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: #C9CACC">
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 1pt 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Unless
    otherwise indicated on this chart, (i) all <I>Securities</I> positions must be reported initially and annually thereafter,
    (ii) all <I>Securities</I> transactions must receive advance pre-clearance approval, and (iii) all <I>Securities</I> transactions
    must be reported quarterly (italicized terms are defined in the Code).</FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 1pt 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Does
    the <I>Access Person</I> need to report the following types of <I>Securities</I> holdings?</FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 1pt 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Does
    the Access <I>Person</I> need to report transactions in the following types of <I>Securities</I>?</FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 1pt 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Does
    the <I>Access</I> <I>Person
   </I> need to obtain pre-clearance approval prior to transacting in the following types of <I>Securities</I>?</FONT></TD></TR>

<TR STYLE="vertical-align: top; background-color: #00A658">
    <TD COLSPAN="4" STYLE="border-top: Black 1pt solid; vertical-align: middle; padding: 4pt; border-right: rgb(35,31,32) 1pt solid; border-bottom: rgb(35,31,32) 1pt solid; border-left: rgb(35,31,32) 1pt solid; text-align: left"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: white"><FONT STYLE="font-size: 10pt"><B>Issuer
        Event Transactions / </B><I>Automatic Investment Plans</I></FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Dividend
    Reinvestment Plan Automatic Transactions</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Yes</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Issuer
    Direct Stock Plan Automatic Transactions</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Yes</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: rgb(35,31,32) 1pt solid; vertical-align: middle; padding: 4pt; border-left: rgb(35,31,32) 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Issuer Direct
        Stock Plan Non-Automatic Transactions (discretionary transactions)</FONT></P></TD>
    <TD STYLE="border-right: rgb(35,31,32) 1pt solid; vertical-align: middle; padding: 4pt; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Yes</FONT></P></TD>
    <TD STYLE="border-right: rgb(35,31,32) 1pt solid; vertical-align: middle; padding: 4pt; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Yes</FONT></P></TD>
    <TD STYLE="border-right: rgb(35,31,32) 1pt solid; vertical-align: middle; padding: 4pt; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Yes.
    A pre-cleared transaction instruction is valid until executed by the Plan.</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #00A658">
    <TD COLSPAN="4" STYLE="border-top: Black 1pt solid; vertical-align: middle; padding: 4pt; border-right: rgb(35,31,32) 1pt solid; border-bottom: rgb(35,31,32) 1pt solid; border-left: rgb(35,31,32) 1pt solid; text-align: left"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.45pt 0 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: white"><FONT STYLE="font-size: 10pt"><B>Investment
        Company </B><I>Securities</I></FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20"><I>Closed-End
    Investment Companies</I></FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Yes</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Yes</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Yes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Exchange
    Traded Funds (ETFs) and Exchange Traded Notes</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Yes</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Yes</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Money
    Market Funds (including Money Market <I>Affiliated Mutual Funds</I>)</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20"><I>Mutual
    Funds</I> (non-affiliated)</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20"><I>Affiliated
    Mutual Funds</I></FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Yes</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Yes</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt"><I>Affiliated
        Mutual Funds</I> interests held by or through the <I>Manulife</I> Registered Pension Plan (RPS), <I>Manulife</I> Registered
        Retirement Savings Plan (RRSP), John Hancock Unified 401k Plan, other employer- sponsored retirement plan, 529/RESP plan,
        or any other account.</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Yes</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Yes,
                                                                                                however do not report automatic transactions/ rebalances (in accordance with a predetermined schedule/ allocation) on the
                                                                                                Quarterly Transaction Report</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">No</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt"><I>Affiliated
        Mutual Funds</I> held through a variable (annuity or life) insurance product separate account/unit investment trust</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Yes
        (report <I>Affiliated Mutual Fund</I> unit values)</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Yes,
                                                                                                however do not report automatic transactions/ rebalances (in accordance with a predetermined schedule/ allocation) on the
                                                                                                Quarterly Transaction Report</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">No</FONT></P></TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: right; color: #231F20"><FONT STYLE="font-size: 10pt">31</FONT></P>
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    <DIV STYLE="page-break-before: always; margin-top: 6pt">&nbsp;</DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #535A5E">
    <TD STYLE="vertical-align: middle; border: #231F20 1pt solid; padding: 4pt; text-indent: 0; width: 55%; text-align: left"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 3.95pt; color: white"><FONT STYLE="font-size: 10pt">Only
        applicable to <I>Access Persons</I> in the following Access</FONT> <FONT STYLE="font-size: 10pt">Classification
        Levels:</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 17.5pt; text-indent: -13.55pt; color: white"><FONT STYLE="font-size: 10pt">&bull;&nbsp;&nbsp;&nbsp;Regular
        <I>Access Person</I></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 17.5pt; text-indent: -13.55pt; color: white"><FONT STYLE="font-size: 10pt">&bull;&nbsp;&nbsp;&nbsp;General
        Account/Private Markets Front-Office <I>Access Person</I></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 17.5pt; text-indent: -13.55pt; color: white"><FONT STYLE="font-size: 10pt">&bull;&nbsp;&nbsp;&nbsp;MIM
        Public Markets Front-Office <I>Access Person</I>.</FONT></P></TD>
    <TD STYLE="border-top: #231F20 1pt solid; vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 4pt; text-indent: 0; width: 15%; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><I>Reportable Security?</I> <B></B></FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: white"><B>Initial and Annual Holdings Reports</B></FONT></P></TD>
    <TD STYLE="border-top: #231F20 1pt solid; vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; width: 15%; text-align: center">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><FONT STYLE="font-size: 10pt"><I>Reportable
        Security?</I> <B></B></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><FONT STYLE="font-size: 10pt"><B>Quarterly Transaction Reports</B></FONT></P></TD>
    <TD STYLE="border-top: #231F20 1pt solid; vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; width: 15%; text-align: center">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><FONT STYLE="font-size: 10pt"><I>Pre-Clearable</I></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><FONT STYLE="font-size: 10pt"><I>Security?</I></FONT></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: #C9CACC">
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Unless
    otherwise indicated on this chart, (i) all <I>Securities</I> positions must be reported initially and annually thereafter,
    (ii) all Securities transactions must receive advance pre-clearance approval, and (iii) all <I>Securities</I> transactions
    must be reported quarterly (italicized terms are defined in the Code).</FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 4pt; text-indent: 0; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Does
    the <I>Access Person</I> need to report the following types of <I>Securities</I> holdings?</FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 4pt; text-indent: 0; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Does
    the <I>Access Person</I> need to report transactions in the following types of <I>Securities</I>?</FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 4pt; text-indent: 0; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Does
    the <I>Access</I> <I>Person
   </I> need to obtain pre-clearance approval prior to transacting in the following types of <I>Securities</I>?</FONT></TD></TR>

<TR STYLE="vertical-align: top; background-color: #00A658">
    <TD COLSPAN="4" STYLE="border-top: Black 1pt solid; vertical-align: middle; border-right: rgb(35,31,32) 1pt solid; border-bottom: rgb(35,31,32) 1pt solid; border-left: rgb(35,31,32) 1pt solid; padding: 4pt; text-indent: 0; text-align: left"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.15pt 0 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: white"><FONT STYLE="font-size: 10pt"><B>Employee
        Compensation Instruments</B></FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 4pt; text-indent: 0; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 4pt; text-indent: 0; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 4pt; text-indent: 0; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Automated
    Purchases&mdash;No</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-indent: 0; padding: 4pt; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">MFC Shares
        in the MFC Global Share Ownership Plan (GSOP)</FONT></P></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Yes</FONT></P></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; text-align: left"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 4pt; color: #231F20"><FONT STYLE="font-size: 10pt">Automated
        Purchases&mdash;No</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Sales&mdash;Yes</FONT></P></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; text-align: left"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Sales&mdash;Yes.
        A pre-cleared transaction</FONT> <FONT STYLE="font-size: 10pt">instruction
        is valid</FONT> <FONT STYLE="font-size: 10pt">until
        executed by</FONT> <FONT STYLE="font-size: 10pt">the
        Plan.</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-indent: 0; padding: 4pt; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">MFC
    Restricted Share Units (RSU), Deferred Share Units (DSU), or Performance Share Units (PSU)</FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 4pt; color: #231F20"><FONT STYLE="font-size: 10pt">No</FONT></P></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 4pt; color: #231F20"><FONT STYLE="font-size: 10pt">No</FONT></P></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 4.05pt; color: #231F20"><FONT STYLE="font-size: 10pt">No</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-indent: 0; padding: 4pt; text-align: left"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.45pt 0 0; color: #231F20"><FONT STYLE="font-size: 10pt">Options
        Acquired from MFC or Other Public Company Employer as Part of Employee Compensation (MFC Solium Account options)</FONT></P></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 4pt; color: #231F20"><FONT STYLE="font-size: 10pt">Yes</FONT></P></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 4pt; color: #231F20"><FONT STYLE="font-size: 10pt">Yes</FONT></P></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 4.05pt; color: #231F20"><FONT STYLE="font-size: 10pt">No</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-indent: 0; padding: 4pt; font: 12pt Manulife JH Sans; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Employer
    Phantom Stock/Phantom Option Interest (granted as compensation to employee, only employer can redeem interest and interest
    is non-transferable)</FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5.35pt 0 0 4pt; color: #231F20"><FONT STYLE="font-size: 10pt">No</FONT></P></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5.35pt 0 0 4pt; color: #231F20"><FONT STYLE="font-size: 10pt">No</FONT></P></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5.35pt 0 0 4.05pt; color: #231F20"><FONT STYLE="font-size: 10pt">No</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-left: #231F20 1pt solid; font: 12pt Manulife JH Sans; text-indent: 0; padding: 4pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 4pt; text-indent: 0; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 4pt; text-indent: 0; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; font: 12pt Manulife JH Sans; padding: 4pt; text-indent: 0; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Automatic
    Grants&mdash; No</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-indent: 0; padding: 4pt; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Employer
        (non-MFC) Stock Grant (unvested grant of employer stock, vesting event, sales of vested shares)</FONT></P></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Unvested
        and Vested Amounts&mdash; Yes</FONT></P></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; text-align: left"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 4pt; color: #231F20"><FONT STYLE="font-size: 10pt">Grants&mdash;No</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Vesting
        Events &mdash; No (however if upon vesting the shares are transferred to a brokerage account then yes)</FONT></P></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; padding: 4pt; text-indent: 0; text-align: left"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 4pt; color: #231F20"><FONT STYLE="font-size: 10pt">Automatic
        Vesting Event&mdash;No</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 4pt; color: #231F20"><FONT STYLE="font-size: 10pt"><B><U>Sale
        of Vested Shares:</U></B></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Yes&mdash;if
        employee directs sale, No&mdash;if employer automatically sells vested without direction from</FONT> <FONT STYLE="font-size: 10pt">employee)</FONT></P></TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: left; color: #231F20"><FONT STYLE="font-size: 10pt">32</FONT></P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Manulife JH Sans; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #535A5E">
    <TD STYLE="vertical-align: middle; padding: 4pt; width: 55%; border: #231F20 1pt solid; text-align: left"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 3.95pt; color: white"><FONT STYLE="font-size: 10pt">Only
        applicable to <I>Access Persons</I> in the following Access</FONT> <FONT STYLE="font-size: 10pt">Classification
        Levels:</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 17.5pt; text-indent: -13.55pt; color: white"><FONT STYLE="font-size: 10pt">&bull;&nbsp;&nbsp;&nbsp;Regular
        <I>Access Person</I></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 17.5pt; text-indent: -13.55pt; color: white"><FONT STYLE="font-size: 10pt">&bull;&nbsp;&nbsp;&nbsp;General
        Account/Private Markets Front-Office <I>Access Person</I></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 17.5pt; text-indent: -13.55pt; color: white"><FONT STYLE="font-size: 10pt">&bull;&nbsp;&nbsp;&nbsp;MIM
        Public Markets Front-Office <I>Access Person</I>.</FONT></P></TD>
    <TD STYLE="border-top: #231F20 1pt solid; vertical-align: middle; padding: 4pt; width: 15%; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><I>Reportable Security?</I> <B></B></FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: white"><B>Initial and Annual Holdings Reports</B></FONT></P></TD>
    <TD STYLE="border-top: #231F20 1pt solid; vertical-align: middle; padding: 4pt; width: 15%; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: center">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><FONT STYLE="font-size: 10pt"><I>Reportable
        Security?</I> <B></B></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><FONT STYLE="font-size: 10pt"><B>Quarterly Transaction Reports</B></FONT></P></TD>
    <TD STYLE="border-top: #231F20 1pt solid; vertical-align: middle; padding: 4pt; width: 15%; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: center">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><FONT STYLE="font-size: 10pt"><I>Pre-Clearable</I></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: white"><FONT STYLE="font-size: 10pt"><I>Security?</I></FONT></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: #C9CACC">
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; border-left: #231F20 1pt solid; padding: 1pt 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Unless
    otherwise indicated on this chart, (i) all <I>Securities</I> positions must be reported initially and annually thereafter,
    (ii) all <I>Securities transactions must receive advance pre-clearance approval, and (iii) all Securities transactions must
    be reported quarterly (italicized terms are defined in the Code).</I></FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; padding: 1pt 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Does
    the <I>Access Person</I> need to report the following types of <I>Securities</I> holdings?</FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; padding: 1pt 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Does
    the <I>Access Person need to report transactions in the following types of Securities?</I></FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: #231F20 1pt solid; padding: 1pt 4pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">Does
    the <I>Access</I> <I>Person
   </I> need to obtain pre-clearance approval prior to transacting in the following types of <I>Securities</I>?</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #00A658">
    <TD COLSPAN="4" STYLE="border-top: Black 1pt solid; vertical-align: middle; padding: 4pt; border-right: rgb(35,31,32) 1pt solid; border-bottom: rgb(35,31,32) 1pt solid; border-left: rgb(35,31,32) 1pt solid; text-align: left"><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>Gifts / Blind Trusts / Managed Accounts</B></FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Gifts,
        Inheritances, or Donations of <I>Reportable Securities</I></FONT> <FONT STYLE="font-size: 10pt">(received
        or given)</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Yes</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">Yes</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left; color: #231F20"><FONT STYLE="font-size: 10pt"><I>Securities
       </I> Gifts &amp; Inheritances Received - No</FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 4.4pt 0 0; text-align: left; color: #231F20"><FONT STYLE="font-size: 10pt"><I>Securities
       </I> Given or Donated - Yes</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #231F20">No*</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; border-left: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt"><I>No
        Direct or Indirect Control Over Account</I> (<I>Securities</I> held in, purchased/sold for an account where a person does
        not have direct or indirect influence or investment/ proxy voting control, e.g., Blind Trusts, Certain Managed Accounts)</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">No</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">No</FONT></P></TD>
    <TD STYLE="vertical-align: middle; padding: 4pt; border-right: #231F20 1pt solid; border-bottom: #231F20 1pt solid; text-align: left"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #231F20"><FONT STYLE="font-size: 10pt">*However,
        you must report initial and annual holdings in (as well as pre-clear and report quarterly transactions</FONT> <FONT STYLE="font-size: 10pt">for)
        a Managed Account unless the <I>Access Person</I> has obtained a specific written pre-clearance or</FONT> <FONT STYLE="font-size: 10pt">reporting
        exemption</FONT> <FONT STYLE="font-size: 10pt">from
        the <I>Code Administrator</I>.</FONT></P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: right; color: #231F20"><FONT STYLE="font-size: 10pt">33</FONT></P>


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<DOCUMENT>
<TYPE>EX-99.(2)(R)(3)
<SEQUENCE>34
<FILENAME>jhfof-html3755_ex992r3.htm
<DESCRIPTION>CODE OF ETHICS EFFECTIVE DECEMBER 6, 2005 AMENDED AND RESTATED JANUARY 1, 2020 FOR THE INDEPENDENT TRUSTEES OF THE JOHN HANCOCK FUNDS
<TEXT>
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<HEAD>
<TITLE></TITLE>
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<BODY>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: right"><B>EXHIBIT (2)(r)(3)</B></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0.5in"><B>Code of Ethics for the Independent
Trustees of the</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0.25in"><B>John Hancock Funds</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Effective December 6, 2005</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Amended and Restated January 1, 2021</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.65pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.55pt 0 0">The Board of Trustees (the &#8220;Board&#8221;) of the John Hancock
Funds<SUP>1</SUP> has adopted this code of ethics (this &#8220;Code&#8221;), exclusively with respect to Trustees who are not &#8220;interested
persons,&#8221; as defined in Section 2(a)(19) of the Investment Company Act of 1940 (the &#8220;1940 Act&#8221;), of the John Hancock
Funds (the &#8220;Independent Trustees&#8221; or &#8220;you&#8221;). This Code is intended to comply with the requirements of Rule 17j-1
under the 1940 Act insofar as they apply to the Independent Trustees.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 2.6pt 0 0">The Board recognizes that the John Hancock Funds&#8217; officers
and access persons (with the exception of the Independent Trustees) are covered by a separate code of ethics adopted by the Board, which
is applicable to John Hancock Investment Management, LLC and John Hancock Variable Trust Advisers, LLC (each, a &#8220;John Hancock Adviser&#8221;),
John Hancock Investment Management Distributors, LLC, John Hancock Distributors, LLC and each of the John Hancock Funds. The Board also
recognizes that access persons who are employees of a sub-adviser to the John Hancock Funds are covered under a separate code of ethics
approved by the Board. The Board, after considering the limited nature of access by the Independent Trustees to current information with
respect to security transactions being effected or considered on behalf of the John Hancock Funds, has adopted this Code specifically
and separately to cover the Independent Trustees.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.85pt 0 0">Please note that the policies described below apply to all accounts
over which you have a beneficial interest. Normally, you will be deemed to have a beneficial interest in your personal accounts, those
of a spouse, &#8220;significant other,&#8221; minor children or family members sharing your household, as well as all accounts over which
you have discretion or give advice.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.85pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">If you have any questions regarding your responsibilities under this Code
of Ethics, please contact Trevor Swanberg at (617) 572-4398 or tswanberg@jhancock.com</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Set forth below are policies applicable to the Independent Trustees.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>I. Statements of Policy</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>A. General Principles</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 21pt 0 0; text-align: justify">It is unlawful for any Independent Trustee
covered by this Code, directly or indirectly, in connection with his or her purchase or sale of a security held or to be acquired by a
John Hancock Fund, to:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;employ any device, scheme or artifice to defraud a John Hancock
Fund;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 6.3pt 0 0; text-align: justify">&bull;&nbsp;&nbsp;make any untrue statement of
a material fact to a John Hancock Fund or omit to state a material fact necessary in order to make the statements made to a John Hancock
Fund, in light of the circumstances under which they are made, not misleading;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 6.3pt 0 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 6.3pt 0 0; text-align: justify"></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><SUP>1</SUP> As used in this Code, the &#8220;John Hancock Funds,&#8221;
or the &#8220;Funds,&#8221; refer to each open-end and closed-end fund that is listed, or that is a series of a trust listed, in Appendix
A hereto, as may be updated from time to time by the Chief Compliance Officer of the John Hancock Funds.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 21.15pt 0 0">&bull;&nbsp;&nbsp; engage in any act, practice or course of business
that operates or would operate as a fraud or deceit on a John Hancock Fund; or</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.25pt 0 0">&bull;&nbsp;&nbsp; engage in any manipulative practice with respect to
a John Hancock Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 1pt 0 0">The General Principles discussed above govern all conduct, whether
or not the conduct is also covered by more specific standards and procedures in this Code. Failure to comply with this Code may result
in disciplinary action as determined by the Board, including potentially removal from the Board in accordance with the terms of the John
Hancock Fund charter documents.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.8pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>B. Transactions in John Hancock Funds</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.4pt 0 0">The Independent Trustees are subject to the same policies against
excessive trading of shares of the open-end John Hancock Funds that apply to all shareholders of the open-end John Hancock Funds, as applicable.
These policies are described in the John Hancock Funds&#8217; prospectuses and are subject to change. Additional restrictions on trading
of closed-end and open-end John Hancock Funds are discussed in Section II.C.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.4pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>C. Transactions in securities of Advisers, Subadvisers and Principal
Underwriters</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 5.4pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 5.5pt 0 0">As an Independent Trustee, you are prohibited from purchasing
any security issued by:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 5.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 5.5pt 0 0">(1) the controlling parent of the John Hancock Advisers;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 5.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 5.5pt 0 0">(2) any subadviser of a John Hancock Fund;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 5.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 5.5pt 0 0">(3) the controlling parent of any subadviser;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 5.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 5.5pt 0 0">(4) any principal underwriter of a John Hancock Fund, including
prospective principal underwriters of John Hancock closed-end funds;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 5.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 5.5pt 0 0">(5) the controlling parent of any principal underwriter.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 5.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 5.5pt 0 0">A complete list of these issuers can be found in Appendix
B.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>D. Annual Certification</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">On an annual basis, you must provide a certification at a date designated
by the Chief Compliance Officer of the John Hancock Funds that:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">(1) you have read and understand this Code;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 0 0">(2) you acknowledge that you are subject to its requirements; and</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">(3) you have complied, to the best of your knowledge, with its requirements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 51.3pt 0 0">You are required to make this certification to demonstrate that
you understand the importance of these policies and your responsibilities under the Code.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>E. Quarterly Transaction Reports</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 32.4pt 0 0">You will not generally be required to submit quarterly transaction
reports. You will, however, be required to submit a quarterly transaction report if you knew (or, in the ordinary course of fulfilling
your official duties as an Independent Trustee, should have known) that during the 15 calendar days immediately before or after you trade
a security described in <B>Section II.A</B> of this Code, either:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 82pt 0 0">(i) the subadviser of a John Hancock Fund purchased or sold the
same security on behalf of such Fund, or</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 82pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 82pt 0 0">(ii) the subadviser of a John Hancock Fund actively considered
the purchase or sale of the same security on behalf of such Fund;</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.1pt 0 0">provided that, monitoring of the publication of portfolio holdings
of series of John Hancock Exchange-Traded Fund Trust (the &#8220;John Hancock ETFs&#8221;) is not construed to be within the ordinary
course of fulfilling the duties of a trustee, therefore the publication or availability of such portfolio holdings shall not be construed
to impart actual or constructive knowledge of the John Hancock ETFs&#8217; portfolio transactions on a trustee.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.3pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.1pt 0 0">If these circumstances occur, it is your responsibility to contact
the Chief Compliance Officer of the John Hancock Funds and he will assist you with the requirements of the quarterly transaction report.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 15.15pt 0 0">You must submit a quarterly transaction report within 30 calendar
days after the end of a calendar quarter if required in the limited circumstances described above. This report must cover all transactions
during the calendar quarter that are personal securities transactions, as described below in <B>Section II</B> of this Code.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.8pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 44.35pt 0 0">If you are required to submit a quarterly transaction report,
the report must include the following information about each transaction described above:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.55pt 27.75pt 0 0">&bull;&nbsp;&nbsp;the date of the transaction, the title, and
as applicable, the exchange ticker symbol or CUSIP number, interest rate and maturity date (if applicable), number of shares, and principal
amount of each reportable security involved;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.55pt 27.75pt 0 0">&bull;&nbsp;&nbsp;the nature of the transaction (i.e., purchase,
sale or any other type of acquisition or disposition);</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;the price at which the transaction was effected;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.3pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 39.1pt 0 0">&bull;&nbsp;&nbsp;the name of the broker, dealer or bank with or through
which the transaction was effected; and</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;the date that you submit the report.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 10.9pt 0 0">With respect to any account in which you have traded securities
for which you must submit a quarterly transaction report, the quarterly transaction report must also include the following account information:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;the name of the broker, dealer or bank with whom you have established
an account;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;the account number and account registration;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;the date the account was established; and</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;the date that you submit the report.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>II. Personal Securities Transactions</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">A Personal Securities Transaction is a transaction in a security
in which an Independent Trustee subject to this Code has a beneficial interest. Normally, this includes securities transactions in your
personal accounts, those of a spouse, &#8220;significant other,&#8221; minor children or family members sharing your household, as well
as all accounts over which you have discretion or give advice. Accounts over which you have no direct or indirect influence or control
are exempt. For discretionary accounts, this is defined as:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 6pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 18pt">1)</TD><TD>Not being able to suggest that the trustee or third-party discretionary manager make any particular purchases or sales of securities;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 18pt">2)</TD><TD>Not being able to direct the trustee or third-party discretionary manager to make any particular purchases or sales of securities;
and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 18pt">3)</TD><TD>You did not consult with the trustee or third-party discretionary manager as to the particular allocation of investments to be made
in your account.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 3.1pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 3.1pt 0 0">To prevent potential violations of this Code, you are strongly
encouraged to request clarification for any transactions or accounts that are in question.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>A. Covered Personal Securities Transactions</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 56.2pt 0 0">Except as noted below, Personal Securities Transactions include
transactions in all securities, including:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.3pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;Stocks or bonds;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;Government securities that are not direct obligations of the
U.S. government, such as Fannie Mae or municipal securities;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;Shares of all closed-end funds;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;Shares of the John Hancock Funds, as well as any other open-end
mutual funds, including John Hancock ETF&#8217;s, that are advised or sub-advised by a John Hancock Adviser or by John Hancock or Manulife
entities (other than money market funds);</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;Options on securities, on indexes, and on currencies;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;All kinds of limited partnerships;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Exchange Traded Funds formed as unit investment trusts;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;Foreign unit trusts and foreign mutual funds;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;Private investment funds and hedge funds; and</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.25pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;Futures, investment contracts or any other instrument that is
considered a &#8220;security&#8221; under the Investment Company Act of 1940.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.25pt 0 0"><B>B. Exempt Personal Securities Transactions</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Personal Securities Transactions do not include transactions in the following
securities:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;Direct obligations of the U.S. government (e.g., treasury securities);</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.3pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 15.65pt 0 0">&bull;&nbsp;&nbsp;Bankers&#8217; acceptances, bank certificates of
deposit, commercial paper, and high quality short-term debt obligations, including repurchase agreements;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;Shares of any open-end mutual funds, including exchange-traded
funds, that are not advised or sub-advised by a John Hancock Adviser or by John Hancock or Manulife entities;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;Shares issued by money market funds; and</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&bull;&nbsp;&nbsp;Securities in accounts over which you have no direct or indirect
influence or control.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>C. Restrictions on Trading in John Hancock Funds</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18.7pt 0 0">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>General</U>. You
may not buy or sell shares of John Hancock Funds, or tip others who then trade in such Funds, on the basis of material non-public information
(&#8220;Inside Information&#8221;). This concern is most pronounced with respect to closed-end John Hancock Funds (&#8220;Closed-End Funds&#8221;)
and the John Hancock ETFs because their shares trade on a secondary market. However, it is also applicable to all John Hancock mutual
funds.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 24.85pt 0 36pt">a.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Material Information</U>.
Information is considered &#8220;material&#8221; if a reasonable investor would consider it important in making a decision to buy, sell
or hold shares of a Fund. Positive or negative information may be &#8220;material.&#8221;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 10.1pt 0 36pt">b.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Non-public
Information</U>. Information is considered &#8220;non-public&#8221; if it has not been broadly and publicly disseminated for a sufficient
period to be reflected in the price of the Fund. Information remains &#8220;non-public&#8221; until it has been &#8220;publicly disclosed,&#8221;
meaning that it has been broadly distributed to the public in a non-</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 10.1pt 0 36pt">exclusionary manner, such as via a press release or inclusion
of such information in a filing with the Securities and Exchange Commission. In the case of the John Hancock ETFs, holdings information
posted to the Funds&#8217; website is considered to have been &#8220;publicly disseminated.&#8221;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.8pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 8.85pt 0 36pt">c.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Examples</U>.
Inside Information may include such things as news about acquisitions, Closed-End Fund tender offers, financial results, changes in dividends
or distributions, Closed-End Fund share buy-backs, important management changes, anticipated litigation recoveries, or any other information
that is likely to be considered material to a Fund.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 8.85pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 8.85pt 0 36pt">d.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Further Guidance</U>.
If you are uncertain as to whether information is Inside Information, you should presume that the information is both material and non-public,
and that it is Inside Information. In such cases, you should refrain from trading until you consult legal counsel or the Chief Compliance
Officer for further guidance on information that may be deemed Inside Information.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Closed-End, and
John Hancock ETF&#8217;s Blackout Periods and Trading Guidelines</U>. You may not trade in shares of Closed-End Funds during the following
blackout periods (each, a &#8220;Blackout Period&#8221;):</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.95pt 0 36pt">a.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regular Meetings</U>.
The Independent Trustees may not engage in any transactions in shares of the Closed-End Funds at any time between (x) the earlier of (A)
the date Board meeting information is received by the Trustee, or (B) the date the Independent Trustees are advised that Board meeting
information is posted to the website where Board materials are made available, and (y) 10 calendar days after the dates of a regular meeting
of the Board. To clarify, assuming a meeting begins on a Monday and concludes at mid-day on the next day, Independent Trustees may not
transact in Closed-End Fund or John Hancock ETF shares before the second subsequent Monday.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.95pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.25pt 12.65pt 0 36pt">b.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Special
Meetings</U>. Upon receipt of the materials for a special meeting of the Board or a committee thereof, Independent Trustees may not engage
in any transactions in Closed-End Fund or John Hancock ETF shares at any time from the date of receipt of such materials until after the
tenth calendar day after the date of such meeting.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.25pt 12.65pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.95pt 0 36pt">c.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Financial Statements
Review</U>. The Independent Trustees may not engage in any transactions in shares of a Closed-End Fund or John Hancock ETF&#8217;s at
any time between:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.95pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.95pt 0 36pt">(i) the earlier of (A) the date on which a semiannual or an
annual shareholder report that contains financial statements for a Closed-End Fund or John Hancock ETF is received by the Trustee, or
(B) the date the Independent Trustees are advised that a semiannual or an annual shareholder report that contains financial statements
for a Closed-End Fund or John Hancock ETF is posted to the website where Board materials are made available, and</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.95pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.95pt 0 36pt">(ii) two (2) business days after the date on which the semi-annual
or annual shareholder report for the Closed-End Fund or John Hancock ETF is publicly available on John Hancock Funds website or through
another method consistent with Regulation FD.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.95pt 0 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Other Restricted
Periods</U>. The Chief Compliance Officer of the John Hancock Funds may, from time to time, restrict the purchase of one or more John
Hancock Funds, including</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">open-end John Hancock Funds, if he or she believes after consulting
with counsel to the John Hancock Funds that the Independent Trustees may have knowledge of Inside Information regarding such John Hancock
Fund(s). The Chief Compliance Officer will provide the Independent Trustees prior notice of any such restrictions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>III. Administration of the Code of Ethics</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>A. Review of Reports</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 11.55pt 0 0">The Chief Compliance Officer of the John Hancock Funds shall
review any reports delivered by an Independent Trustee pursuant to this Code. Any such review shall give special attention to evidence,
if any, of conflicts or potential conflicts with the securities transactions of the John Hancock Funds or violations or potential violations
of the antifraud provisions of the federal securities law or this Code.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>B. Investigations of Potential Violations</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 3.05pt 0 0">The Chief Compliance Officer shall investigate any potential
violation of the provisions of this Code. After completion of any such investigation, the Chief Compliance Officer shall determine whether
a violation has occurred and, if so, make a report to the Board or, if appropriate, the Compliance Committee of the Board. The Board shall
determine what action should be taken in response to a violation of this Code.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>C. Annual Reports</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 7.9pt 0 0">At least on an annual basis, the Chief Compliance Officer shall
provide the Board with (i) a written report that describes issues that arose under this Code since the prior such report, including, but
not limited to, information relating to material violations of this Code and any actions taken, and (ii) a certification that the John
Hancock Funds have adopted procedures reasonably necessary to prevent the Independent Trustees from violating this Code.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>D. Record Retention Requirements</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 13.95pt 0 0">The Chief Compliance Officer shall maintain the following records
at the John Hancock Funds&#8217; principal place of business, and shall make these records available to the Securities and Exchange Commission
at any time and from time to time for reasonable periodic, special or other examination:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.05pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 18.15pt 0 0">&bull;&nbsp;&nbsp;A copy of this Code that is currently in effect,
or at any time within the past five years was in effect;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 15.5pt 0 0">&bull;&nbsp;&nbsp;A record of any violation of this Code, and any action
taken as a result of a violation, must be maintained in an easily accessible place for at least five years after the end of the fiscal
year in which the violation occurs;&#61472;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.25pt 3pt 0 0">&bull;&nbsp;&nbsp;A copy of each quarterly transaction report made
by an Independent Trustee under this Code;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.25pt 3pt 0 0">&bull;&nbsp;&nbsp;A copy of each annual report and certification
described in <B>Section III.C</B> of this Code; and</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.15pt 0 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 2.55pt 0 0">&bull;&nbsp;&nbsp;A record of all Independent Trustees, currently or
within the past five years, who are subject to this Code, and of individual(s) who are responsible for reviewing reports made under this
Code.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>E. Amendments</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.1pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Any amendments to this Code must be approved by a majority of the Independent
Trustees.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Appendix A</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3.05pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: center"><B><U>John Hancock Funds</U></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Variable Insurance Trust</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Funds II</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Funds III</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Bond Trust</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock California Tax-Free Income Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Capital Series</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Collateral Trust</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Current Interest</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Exchange-Traded Fund Trust</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Investment Trust</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Investment Trust II</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Municipal Securities Trust</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Sovereign Bond Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Strategic Series</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Emerging Markets Income Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Floating Rate High Income Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Financial Opportunities Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Hedged Equity &amp; Income Trust</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Income Securities Trust</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Investors Trust</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Preferred Income Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Preferred Income Fund II</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Preferred Income Fund III</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Premium Dividend Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Tax-Advantaged Dividend Income Fund</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">John Hancock Tax-Advantaged Global Shareholder Yield Fund</FONT></TD></TR>
  </TABLE>


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<DOCUMENT>
<TYPE>EX-99.(2)(S)
<SEQUENCE>35
<FILENAME>jhfof-html3755_ex992s.htm
<DESCRIPTION>POWER OF ATTORNEY DATED DECEMBER 10, 2020
<TEXT>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: right"><B>EXHIBIT (2)(s)</B></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>John Hancock Financial Opportunities Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>John Hancock Hedged Equity &amp; Income Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>John Hancock Income Securities Trust</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>John Hancock Investors Trust</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>John Hancock Preferred Income Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>John Hancock Preferred Income Fund II</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>John Hancock Preferred Income Fund III</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>John Hancock Premium Dividend Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>John Hancock Tax-Advantaged Dividend Income Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>John Hancock Tax-Advantaged Global Shareholder Yield
Fund</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>(each a &#8220;Trust&#8221; and collectively the
&#8220;Trusts&#8221;)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>POWER OF ATTORNEY</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The undersigned Trustee or Officer of each Trust, each
a Massachusetts business trust, does hereby appoint Ariel Ayanna, Sarah M. Coutu, John J. Danello, Thomas Dee, Kinga Kapuscinski, Nicholas
J. Kolokithas, Suzanne M. Lambert, Edward Macdonald, Mara Moldwin, Harsha Pulluru, Christopher L. Sechler, Betsy Anne Seel and Steven
Sunnerberg, to be my true, sufficient and lawful attorneys-in-fact, with full power to each of them, and each acting singly, to sign for
me, in my name and in the capacity indicated below, any registration statements on Form N-2 to be filed by the Trust under the Investment
Company Act of 1940, as amended (the &#8220;1940 Act&#8221;), and under the Securities Act of 1933, as amended (the &#8220;1933 Act&#8221;),
and any and all exhibits and other documents relating thereto, and any and all amendments to said registration statements, and to do generally
all such things in my name and on my behalf in the capacity indicated below to enable the Trust to comply with the 1940 Act, the 1933
Act, and all requirements of the Securities and Exchange Commission thereunder.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">This Power of Attorney shall be revocable with respect
to an undersigned at any time by a writing signed by such undersigned and shall terminate automatically if the undersigned ceases to be
a Trustee or Officer of the Trust.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Dated: December _10_, 2020.</P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 12pt 5.4pt 6pt; width: 25%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><U>Name</U></B></FONT></TD>
    <TD STYLE="padding: 12pt 5.4pt 6pt 0; width: 35%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><U>Signature</U></B></FONT></TD>
    <TD STYLE="padding: 12pt 5.4pt 6pt 12pt; width: 40%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><U>Title</U></B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Andrew G. Arnott</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 12pt; padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #111111">/s/
    Andrew G. Arnott</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#9;</FONT></TD>
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">President and Trustee</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Charles A. Rizzo</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 12pt; padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #111111">/s/
    Charles A. Rizzo</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#9;</FONT></TD>
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 12pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0">Chief Financial Officer</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">(Principal Financial Officer and Principal Accounting Officer)</P></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Charles L. Bardelis</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 12pt; padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #111111">/s/
    Charles L. Bardelis</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#9;</FONT></TD>
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">James R. Boyle</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 12pt; padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #111111">/s/
    James R. Boyle</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#9;</FONT></TD>
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Peter S. Burgess</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 12pt; padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #111111">/s/
    Peter S. Burgess</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#9;</FONT></TD>
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">William H. Cunningham</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 12pt; padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #111111">/s/
    William H. Cunningham</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#9;</FONT></TD>
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Grace K. Fey</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 12pt; padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #111111">/s/
    Grace K. Fey</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#9;</FONT></TD>
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Marianne Harrison</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 12pt; padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #111111">/s/
    Marianne Harrison</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#9;</FONT></TD>
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Deborah C. Jackson</FONT></TD>
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    Deborah C. Jackson</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#9;</FONT></TD>
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD></TR>
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    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Hassell H. McClellan</FONT></TD>
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    Hassell H. McClellan</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#9;</FONT></TD>
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD></TR>
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    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">James M. Oates</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 12pt; padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #111111">/s/
    James M. Oates</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#9;</FONT></TD>
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Steven R. Pruchansky</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 12pt; padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #111111">/s/
    Steven R. Pruchansky</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#9;</FONT></TD>
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Frances G. Rathke</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 12pt; padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #111111">/s/
    Frances G. Rathke</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#9;</FONT></TD>
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD></TR>
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    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Gregory A. Russo</FONT></TD>
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    Gregory A. Russo</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#9;</FONT></TD>
    <TD STYLE="padding-top: 12pt; padding-right: 5.4pt; padding-left: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Trustee</FONT></TD></TR>
  </TABLE>


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<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>54
<FILENAME>organizationalchart.jpg
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
