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Please do not reply to this email. If you have any questions regarding the changes to your plan’s investment line-up, please contact your Plan Sponsor at xxxxxx@cnhkiwanis.org. February 23, 2017 Dear Participant: This letter is to inform you of changes in the designated investment alternatives ("Funds") that will be offered under our qualified retirement plan’s investment line-up. These changes are scheduled to take place in April and conclude in May 2017, subject to regulatory and other approvals. This notice is being provided to you in satisfaction of our regulatory requirement to notify you of these changes. A complete listing of these changes can be found in the chart at the end of this letter. How to obtain additional information You may also obtain information about the changes through the following means: More information about the Funds referenced below can be found on the Fund Sheets, available on our participant website. There you will find additional important information about the Fund, such as its objectives or goals, updated performance data, and fee and expense information. A full listing of the existing Funds, including applicable investment-related information, such as expenses, performance and redemption fees, is available on the Investment Comparative Chart that was previously provided to you. This chart is also available on the Investment Options page of John Hancock’s Participant website at www.jhpensions.com.   John Hancock’s interactive voice response telephone (1-800-395-1113) Next steps If you would like your current investment in any of the affected Funds to be invested in the new Fund shown in the chart, no action is required on your part. You may also elect to transfer your assets between Funds including any of the affected Funds at any time, using the regular transfer procedures. If you have any questions or concerns about the changes to the plan’s investment line-up, please feel free to contact me.  Sincerely, Pete Horton xxxxxx@cnhkiwanis.org 909-736-1704 Spring 2017 Platform Fund Changes The proposed mergers will be effective April 24, 2017 and all other changes will be effective on May 8, 2017.     Current Fund            New Fund            Change of Underlying Fund / Fund Name / Share Class /  Manager Name /  Asset Class         Impact To Expense Ratio (as of 12/31/2016)         From           To           Oppenheimer Developing Markets Fund         N/A         International/Global Growth         Specialty         No Change         Fidelity Advisor Total Bond Fund         N/A         High Quality Intermediate Term Fixed Income         Medium Quality Intermediate Term Fixed Income         No Change         PIMCO Real Return Fund         N/A         High Quality Long Term Fixed Income         Medium Quality Long Term Fixed Income         No Change         T. Rowe Price Spectrum Income Fund         N/A         Medium Quality Intermediate Term Fixed Income         Low Quality Intermediate Term Fixed Income         No Change         Vanguard Short-Term Federal Fund         N/A         High Quality Short Term Fixed Income         Medium Quality Short Term Fixed Income         No Change         Franklin Mutual Beacon Fund         N/A         Large Cap Blend         Large Cap Value         No Change         JPMorgan Mid Cap Value Fund         N/A         Mid Cap Value         Mid Cap Blend         No Change         Value Fund         N/A         Mid Cap Value         Mid Cap Blend         No Change         JH Lifestyle Aggressive - Active Strategies         N/A         JH Lifestyle Aggressive - Active Strategies         John Hancock Multimanager Aggressive Lifestyle Portfolio         No Change         JH Lifestyle Growth - Active Strategies         N/A         JH Lifestyle Growth - Active Strategies         John Hancock Multimanager Growth Lifestyle Portfolio         No Change         JH Lifestyle Balanced - Active Strategies         N/A         JH Lifestyle Balanced - Active Strategies         John Hancock Multimanager Balanced Lifestyle Portfolio         No Change         JH Lifestyle Moderate - Active Strategies         N/A         JH Lifestyle Moderate - Active Strategies         John Hancock Multimanager Moderate Lifestyle Portfolio         No Change         JH Lifestyle Conservative - Active Strategies         N/A         JH Lifestyle Conservative - Active Strategies         John Hancock Multimanager Conservative Lifestyle Portfolio         No Change         Domini Social Equity Fund         N/A         Domini Social Equity Fund         Domini Impact Equity Fund         No Change       Please call 1-800-395-1113 to obtain Fund Sheets for the group annuity investment option sub-accounts and to obtain prospectuses for the sub-accounts' underlying mutual funds, that are available on request. The prospectuses for the sub-accounts’ underlying funds contain complete details on investment objectives, risks, fees, charges and expenses as well as other information about the underlying funds which should be carefully considered before investing.