You could lose money by investing in the fund. Because the share price of the fund will fluctuate, when you sell your shares they may be worth more or less than what you originally paid for them. An investment in the fund is not a bank account and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The fund's sponsor is not required to reimburse the Fund for losses, and you should not expect that the sponsor will provide financial support to the fund at any time, including during periods of market stress.

The placement  agent for the fund is John Hancock Investment Management Distributors LLC.

With the exception of John Hancock Investment Management LLC and John Hancock Signature Services, Inc., only certain investment companies advised by the investment advisor to John Hancock Collateral Trust, or by one of its affiliates, that are "accredited investors" within the meaning of Regulation D under the Securities Act of 1933, as amended, may invest in the fund.