This summary provides a brief list of benefits and programs available to U.S.-domiciled John Hancock and Manulife employees. This summary does not attempt to cover details. In some instances, full details are available in the formal written "plan document". If this summary differs in any way from the plan document, the plan document shall control. John Hancock and Manulife Financial reserve the right to amend or terminate these benefits and programs at any time. The Company and employees share the cost of benefits, in many instances. Active, benefit-eligible employees may cover themselves, spouses and eligible dependent children. Employees may cover domestic partners for some benefits under certain circumstances. Not all employees are eligible for all programs, and some benefits may require waiting periods.