Monthly Performance

The performance data presented represents past performance. Past performance is not a guarantee of future results and current performance may be lower or higher than the performance quoted. Investment returns in John Hancock Freedom 529 portfolios and the value of an investor's units will fluctuate and may be worth more or less than original cost when redeemed.

¹ POP performance reflects a 3.5% maximum sales charge for units purchased prior to June 3, 2002.

² POP performance reflects a 5.25% maximum sales charge for units purchased on or after June 3, 2002 unless grandfather rules in the Plan Disclosure Document apply. Contributions to portfolios within accounts existing prior to June 3, 2003 will be generally subject to the original sales charge of 3.50%. However, when a material change is made on or after June 3, 2002 to an existing account, the new sales charge will apply. Please see Disclosure Document for more details. Class A units of each portfolio will also be charged an annual program management fee of 0.35%, an annual trust fee of 0.05% and an annual distribution and service fee of 0.25%.

⁴ All Class B portfolios carry a 6-year contingent deferred sales charge (maximum of 5%, declining over 6 years). POP returns for Class B portfolios reflect the applicable sales charge for the period shown. Class B units of each portfolio are charged an annual program management fee of 0.35%, an annual trust fee of 0.05% and an annual distribution and service fee of 0.25%. Class B units carry a six year Contingent Deferred Sales Charge (CDSC) of 5%, 4%, 4%, 3%, 2%, 1%, 0%, so that withdrawals made within six years of the contribution will be charged as follows: withdrawals made in year 1 will be assessed a 5% charge, in years 2 and 3, a 4% charge, in year 4 a 3% charge, in year 5 a 2% charge and in year 6 a 1% charge. On the first month of the seventh year, B shares will automatically convert to A shares on the 15th of the first month in the seventh year.

⁵ Class C and Class C2 units do not have a sales charge. For accounts established on or after October 1, 2002, Class C units are referred to as Class C2. Class C2 has an inception date of 9/30/02. Returns for Class C and Class C2 units reflect an annual program management fee of 0.35%.

⁶ Class C2 units do not have a sales charge. For accounts established on or after October 1, 2002, Class C units are referred to as Class C2. Class C2 has an inception date of 9/30/02. Returns for Class C2 units reflect an annual program management fee of 0.35%, an annual trust fee of 0.05% and an annual distribution and service fee of 0.25%.

³ An investment in the JH Money Market portfolio is not insured or guaranteed by the Federal Deposit Insurance Corporation or any government agency. Although the portfolio seeks to preserve the value of your investment at $1.00 per unit, it is possible to lose money by investing in the portfolio.
The Trustee has authorized the Program Manager to waive all or a portion of the annual program management fee and/or the annual distribution and service fee for the JH Money Market Portfolio to the extent necessary to maintain the net yield of the JH Money Market at 0.0% or above. Without this waiver, the yield on the portfolio could be lower.

There is only one share class for the JH Money Market Portfolio. The Trust Fee is waived for JH Money Market Portfolio.

In addition to the sales charge and program expenses, each portfolio will bear its pro rata share of the investment management fees and other expenses of the underlying mutual funds in which it invests. Performance does not reflect the annual account maintenance fee of $25.00.