1 November 4, 2010 Harley Marine Services 401(k) Plan Fund Change Presentation We will begin momentarily. To access the audio portion, please call the toll-free number ( ) and enter the participant code (854903) * As a reminder, this presentation is being recorded

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 2 Agenda Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. Fund Changes Model Portfolios Investment Strategies Resources

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 3 Fund Change

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 4 Replace Rainier Small/Mid Cap with Westcore Select Rainier performance has not met the Investment Policy Statement benchmark. If you currently invest in the Rainier fund, assets will be automatically transferred. November 15, 2010

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 5 Add Vanguard S&P 500 Index Low cost way to invest in the largest 500 U.S. companies. Mirrors the S&P 500 Index Suitable alternative to Masters Select Equity Fund which is on the “Watch List”. November 15, 2010

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. Questions 6

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 7 Model Portfolios

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 8 Model Portfolios Easy way to invest in a diversified portfolio. Determined by your risk tolerance. Five models to choose from. Rebalanced January 1 st and July 1 st November 15, 2010

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 9 Investor Questionnaire Answer six easy questions to determine your risk tolerance. Add up your score.

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 10 Investor Questionnaire Determine what type of investor you are based on your score.

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 11 Asset Allocation Fund level guidance on your investment allocation.

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. Questions 12

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 13 Investment Strategies

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 14 Stay Invested Stay in the Market—Don’t Miss Your Window of Opportunity Hypothetical $1,000 investment over 25-year period 1 (9/30/84–12/31/09) If You… Missed the Top 25 Days Missed the Top 25 Days Missed the Top 5 Days Missed the Top 5 Days Stayed Invested Stayed Invested Missed the Top 15 Days Missed the Top 15 Days $12,003 $7,769 $4,484 $2,865 Compound 10.4% 8.5% 6.2% 4.3% Return 1. Source of chart data: Ned Davis Research, 9/30/09. The chart shows the results of a $1,000 hypothetical investment in the S&P 500 Index on 9/30/84 held through 9/30/09 compared to similar hypothetical investments in stocks that were not invested on the days that were the market highs during the period. The S&P 500 Index is a broad-based measure of domestic stock market performance that includes the reinvestment of dividends. The index is unmanaged and cannot be purchased directly by investors. Index performance is shown for illustrative purposes only and does not predict or depict the performance of any investment. Past performance does not guarantee future results. Due to ongoing market volatility, current performance may be more or less than the results shown in this presentation. The performance information does not show the effects of income taxes on an individual’s investment. Taxes may reduce your actual investment returns or any gains you may realize if you sell your investment. An investor’s shares, when redeemed, may be worth more or less than the original cost.

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 15 Investment Strategies Reduce the risk you take in the market  Dollar Cost Averaging  Diversification  Asset Allocation  Rebalancing

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 16 These examples are for illustrative purposes only. Most investments generally fluctuate according to market conditions. Past performance is not a guarantee of future results. Dollar-cost averaging is the simple investment strategy of investing a consistent amount on a regular basis, usually monthly. By practicing dollar-cost averaging, you ensure that you’re buying fewer shares at a high price and more shares at a lower price, which is a goal among many investors. This may lower the average price you pay for an investment, while lowering the risk of buying at the wrong time. Be aware that dollar-cost averaging does not assure a profit or protect against loss in a declining market. Such a plan involves continuous investment in securities regardless of fluctuating price levels. An investor should consider his/her financial ability to continue his purchases through periods of low price levels. These examples are hypothetical and are not intended to imply the performance of any specific John Hancock Fund. A: A stock that goes up = $13,360 Jan$ Feb$ Mar$ Apr$ May$ Jun$ Jul$ Aug$ Sep$ Oct$ Nov$ Dec$ TOTAL133.6 Start price: $80.00 End price: $ Average price per share: $ Average cost per share: $ $100 $1,000 invested monthly # of SharesPrice Dollar Cost Averaging

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 17 These examples are for illustrative purposes only. Most investments generally fluctuate according to market conditions. Past performance is not a guarantee of future results. Dollar-cost averaging is the simple investment strategy of investing a consistent amount on a regular basis, usually monthly. By practicing dollar-cost averaging, you ensure that you’re buying fewer shares at a high price and more shares at a lower price, which is a goal among many investors. This may lower the average price you pay for an investment, while lowering the risk of buying at the wrong time. Be aware that dollar-cost averaging does not assure a profit or protect against loss in a declining market. Such a plan involves continuous investment in securities regardless of fluctuating price levels. An investor should consider his/her financial ability to continue his purchases through periods of low price levels. These examples are hypothetical and are not intended to imply the performance of any specific John Hancock Fund. B: A stock that fluctuates = $15,600 Jan$ Feb$ Mar$ Apr$ May$ Jun$ Jul$ Aug$ Sep$ Oct$ Nov$ Dec$ TOTAL156.0 Start price: $ End price: $ Average price per share: $ Average cost per share: $ $100 $1,000 invested monthly # of SharesPrice Dollar Cost Averaging

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 18 Diversification Bond 6.97% Large Cap Growth 11.81% Small/Mid Growth 12.26% Large Cap Value 19.69% Large Cap Value % Large Cap Value 30.03% Large Cap Value 7.05% Small/Mid Growth 41.66% Small/Mid Value 20.79% Small/Mid Value 9.74% Bond 10.25% Small/Mid Growth 46.31% Small/Mid Value 21.58% International 13.54% International 26.34% International 31.78% Large Cap Value 7.01% Cash 3.48% Small/Mid Value -9.87% International 38.59% Large Cap Value 16.49% Small/Mid Value 7.74% Small/Mid Value 20.18% Cash 5.94% Large Cap Value -5.59% Small/Mid Growth 14.59% Cash 0.15% International % Small/Mid Growth % International % Large Cap Growth 29.75% Large Cap Growth 6.30% Large Cap Growth 5.26% Large Cap Growth 9.07% Small/Mid Value 27.68% Small/Mid Growth % Large Cap Growth % Large Cap Growth % Bond 4.10% Bond 4.34% Cash 3.07% Cash 4.67% Bond 5.93% Large Cap Growth % International % Small/Mid Growth % Cash 1.03% Cash 1.38% Bond 2.43% Bond 4.33% Large Cap Growth 37.21% Bond 11.63% Bond 8.44% Cash 1.61% Small/Mid Value 44.93% International 20.25% Small/Mid Growth 8.17% Large Cap Value 22.25% Small/Mid Growth 9.69% Large Cap Value -0.17% Cash 4.40% International 11.17% Small/Mid Value -7.27% Large Cap Value % Bond 5.24% Small/Mid Value % Large Cap Growth % Small/Mid Growth % International % Cash 1.40% Best Worst Diversified Portfolio -2.21% Diversified Portfolio -6.68% Diversified Portfolio 13.93% Diversified Portfolio 27.32% Diversified Portfolio % Diversified Portfolio 32.29% Diversified Portfolio 7.37% Diversified Portfolio 15.74% Diversified Portfolio 5.37% Diversified Portfolio %

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 19 Asset Allocation

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 20 Rebalance Your Account Target Allocation Drifting Allocation Suppose over time, stock investments increase 80% while bond investments return only 5%. To maintain the same goal of a target, this investor will need to rebalance. Diversification does not guarantee against a loss, and there is no guarantee that a diversified portfolio will outperform a non-diversified portfolio. The above target allocation is merely a hypothetical example to illustrate the concept of rebalancing. It is not intended to represent a suggested investment mix, nor should it be considered a recommendation of any kind. Model Portfolios  Automatically rebalances January 1 st and July 1 st.

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. Questions 21

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 22 Resources

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 23 Investment Options Foreign/ Global Emerging Mkts. Target Date Funds Money Market Artio Intl Equity Masters Select Intl DFA Emerging Markets Fidelity Freedom Income Fidelity Freedom Fidelity Cash Reserves ValueBlendGrowth T. Rowe Price Equity Vanguard 500 Index AmFunds Growth Masters Select Large Cap First Eagle Fund Westcore Select Mid Cap Royce Total Return Royce 100 Invmt Small Cap Miscellaneous Categories Domestic Equity Fixed-Income LongMediumShort Pimco Total Return Pimco Low Duration High Quality Mid Quality

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 24 Fund Performance (9/30/10)

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Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. Calculators

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. Web Site and Administration Contact Info Investment Related Questions  Mike van der Velden (206) or (800) Ex  Melody Prescott (206) or (800) Ex Hour Account Access  Internet:  Automated Telephone System: Participant Services Representative  Telephone: (8am - 5pm PST)

Copyright 2010 Kibble & Prentice Holding Company, All rights reserved. 29 Disclosure Statement - Confidentiality These materials are produced by Kibble & Prentice for the sole use of its clients, prospective clients, and their representatives. Certain information contained in these materials are considered proprietary information created by Kibble & Prentice and/or their licensed and appointed insurance carriers. Such information and any insurance designs furnished by Kibble & Prentice are considered “Confidential Material.” Such information shall not be used in any way, directly or indirectly, detrimental to Kibble & Prentice and clients and/or potential clients and any of their representatives will keep that information confidential. Neither Kibble & Prentice nor any of its respective representatives or advisors has made or makes any representation or warranty, expressed or implied, as to the accuracy or completeness of the Confidential Material. Neither Kibble & Prentice nor their respective representatives or advisors shall have any liability resulting from the use of the Confidential Material or any errors or omission therein. These materials contain confidential information and provide general information for the use of our clients, potential clients, or that of our clients’ legal and tax advisors. Only a qualified attorney may prepare any document needed to implement any strategy explained in these materials, and the agent/broker or advisor is not in the business of practicing law, legally representing clients, or drafting legal documents.